A couple minutes can save you up to 65% or more with
Florida’s leading contractors' insurance programs –
Contractors
Insurance
Florida
Florida
Contractors Insurance
Stop overpaying for coverage in the Sunshine State!
A couple minutes can save you up to 65% or more with Florida’s leading contractors’ insurance programs –
Coverage for Florida Contractors
As Florida's ultimate source for discount Contractors' Insurance, our wide range of specialty products provides builders with cost-effective coverage — all at a price that won't break the bank –
What is Florida Contractors’ Insurance?
It’s your shield against financial risks at every stage of your business operations in the Sunshine State. Florida contractors’ insurance offers comprehensive protection, ensuring you’re covered in all situations.
Why Do I Need It?
Throughout the United States, construction sites are among the most hazardous work environments, and Florida is no exception. From Jacksonville to the Keys, Florida builders and artisans of all trades and sizes regularly face numerous safety hazards, making construction projects a continuous risk for workplace accidents. The potential for employee injuries or property damage is significant and can push underinsured business owners to the brink of financial ruin.
Our commercial liability solutions in Florida are specifically designed to safeguard construction companies from the substantial risks they face daily.
Protect Against the Unpredictable
Before starting any business ventures in Florida, contractors should consult the Florida Department of Business & Professional Regulation to ensure they comply with all laws, regulations, fees, and documentation requirements.
With our extensive network of A-rated insurance carriers, we provide coverage that aligns with your budget and business goals. Our licensed professionals are ready to help Florida contractors navigate the complexities of risk management, tailoring premiums to suit your specific budget and needs.
Our Recommended Products
General Liability
General Liability
Florida contractors’ general liability is essential to a robust commercial insurance portfolio.
A Florida contractors’ commercial liability policy — also known as Florida contractors’ business liability insurance — shields construction companies from third-party lawsuits due to business activities or products.
Florida contractor liability insurance covers the following:
- Liability Resulting from Bodily Injury
- Liability Resulting from Property Damage
- Liability Assumed Under a Contract
- Products-Completed Operations
- Defense Costs
- Plus Much More
Workers' Comp
Workers' Comp
Florida contractors’ workers’ compensation covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment.
A Florida contractors’ workers’ comp policy provides three categories of benefits available to workers injured on the job:
- Medical Benefits
- Lost Wages & Other Monetary Compensation
- Death Benefits
Employers conducting operations in the State of Florida must provide their employees with Florida contractors’ workers’ compensation insurance.
For specific employer coverage requirements, please visit the Florida Chief Financial Officer website to review Florida contractors’ workers’ comp laws and regulations.
Surety Bonds
Surety Bonds
A Florida contractor license bond provides a financial guarantee for a city or state licensing department.
Various contractors may be required to post a Florida contractor bond to comply with pre-licensing requirements.
Not to be confused with a Florida contractors’ insurance policy, Florida contractors’ surety bonds are similar to a business line of credit that protects consumers against potential default or failure to satisfy contractual obligations.
Large projects and government organizations may require a Florida contractors’ surety bond before bidding on a project.
Commercial Auto
Commercial Auto
Florida contractors’ commercial auto insurance covers your business vehicles for liability when you or an insured driver are liable for an at-fault accident.
A Florida contractors’ commercial auto policy protects your business vehicles and trailers when damaged in an accident, stolen, or vandalized.
Florida contractor business auto insurance provides higher limits, additional coverage forms, hired and non-owned liability, and typically no limitation on the number of insured vehicles or drivers on the policy.
A Florida contractors’ commercial auto policy covers:
- Property Damage
- Bodily Injury
- Comprehensive Damage
- Collision Damage
- Hired & Non-Owned Vehicles
- And More
Inland Marine
Inland Marine
A Florida contractors’ tool and equipment policy financially protects business equipment, tools, products, and material located at a construction site, transported, or kept in an off-site storage location.
Florida contractors’ inland marine insurance protects against a broad range of such common perils:
- Wind Damage
- Hail Damage
- Fire Damage
- Water Damage
Florida contractors’ inland marine insurance provides specialized coverage for “installation” risks, vandalism, damages, lost or stolen items, and damaged leased or rented equipment.
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