Discount Contractors Insurance

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Florida Contractors Insurance

As Florida's one-stop contractor's insurance shop, our wide variety of specialty products provides builders with a cost-effective solution that fulfills your specific coverage needs –

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

Throughout the continental United States, construction sites continue to be among the most dangerous places to work, and Florida job sites are no exception. With Florida contractors, subcontractors, and trades specialists routinely exposed to different safety hazards, construction projects continue to be workplace accidents waiting to happen. The overwhelming risk of employee injury or property damage can send an inadequately insured business owner to the brink of insolvency.

Our Florida commercial liability solutions protect vulnerable construction companies against the high-hazard risks involved in day-to-day business operations.

Protect Against the Unpredictable

Contractors pursuing business opportunities in Florida are encouraged to visit the Florida Department of Business & Professional Regulation to verify laws, regulations, upfront fees, and required documentation before commencing operations.

With low premiums that fit any budget, our licensed professionals are on standby to assist Florida contractors with the necessary steps in transferring risk to a highly-rated insurance carrier that fits your budget and business needs.

Our Recommended Products

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 contractors’ general liability insurance covers:

  • Business Liability
  • Contractual Liability
  • Defense Costs
  • And More

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

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

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

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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