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.

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.

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

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.