General Contractor Insurance in Florida

  • Compare quotes in minutes, with no obligation to buy
  • Buy online and receive coverage confirmation – instantly
  • Access only top-quality insurance companies (A-rated or better)

Get instant quotes

Why do contractors need insurance in Florida?

Construction sites can often be dangerous places to work. Small businesses could be facing a liability issue in the event of a minor accident, regardless of whether it’s in a commercial or residential project. Insurance for contractors is essential for Florida companies to safeguard their hard-earned work from injuries, delay, accidents and other issues that are common to the industry.

Contractor insurance is the shorthand term used to describe the insurances that contractors often consider, including:

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Find out how BizInsure helps you find contractor insurance for your Florida business.

Who needs contractor insurance in Florida?

Contractors often buy insurance policies to safeguard their business and personal finances. General Liability and other insurance policies are an essential security net for your company.
Some types of coverage may be required to work with certain clients (a requirement that is often included in contracts for business). Workers’ Compensation coverage is required in Florida.
Select your profession to learn more about the options for insurance available and begin with a quote to get a customized insurance quote.

Customer service icon

Contact our licensed agents today

It’s easy to relax when you know that the insurance you choose is suitable for your needs with a cost that is affordable.
BizInsure offers licensed and experienced agents to assist you in finding the right product.

What types of insurance do general contractors need in Florida?

Florida tradespeople consider several types of insurance for contractors. These insurance policies can help you reduce the risks that contractors may face.

General Liability insurance

On a construction site, anything can happen. Even an innocent mistake, like placing your tools on the wrong side of the road could result in your company suffering when someone is injured.

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties. General Liability insurance for Florida contractors protects your bank accounts by paying your legal expenses and the cost to repair or remedy the situation.

Business Owner’s Policy

There are times when things don’t go according to plan when working in the construction field. You may not be able to complete your project in time if there are interruptions in the work, or if tools break.

A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

BOPs can be customized to fit the needs of your company. This can be a convenient, affordable way to cover yourself from the numerous risks that contractors are exposed to.

Workers’ Compensation insurance

You are responsible for the health and well-being of your employees while they are working.

Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

Florida law requires most businesses, including those in the construction industry, to carry Workers’ Compensation insurance for their employees. Employers with one or more employees, including business owners who are corporate officers or LLC members, must have Workers’ Compensation coverage.

What does contractor insurance cover in Florida?

Insurance for contractors can safeguard you and your business from a variety of risks. You may be covered by your insurance policy for:

  • Claims for third-party injuries as well as property damage (General Liability insurance for Florida contractors).
  • Unexpected interruptions of business (Business Owner’s Policy).
  • Equipment breakdown (BOP)
  • Accidents at work and illnesses (Workers’ Compensation)

How much does contractor insurance cost in Florida?

If you’re only beginning your own contracting business in Florida, you may not be aware of the expenses that are associated with insurance for contractors.

Business insurance prices vary because insurers take many factors into consideration when determining a business’ premium. Costs to your business can vary depending on factors like:

  • The type of insurance you want
  • Your annual income (size of business)
  • The number of people who are covered by the insurance policy
  • Your claims history
  • The coverage amount you choose

How BizInsure helps Florida contractors protect their business

BizInsure is the most effective way to protect your business.

In less than 10 minutes, you can review quotes and find coverage that suits your budget, needs and needs. When policy documents are delivered directly to your inbox, you’re protected immediately.

Need assistance? Our team of licensed agents are ready to help.

Compare multiple quotes today and find the best coverage to suit your Florida general contractor business.

© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
عالی
alireza J.
1706727364
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
1701380391
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Terry
1701319042
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
1700848536
Always and easy process. Thanks!
Gerald S.
1700244544
Renewal was quick and easy online
Angelita K.
1699752900
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
1699032636
Easy to submit an application and to get quotes
Simone S.
1698775217
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
1698407456
Excellent
advanced U.
1697824466
Great service. Very professional and cordial. Thanks
Jeremiah U.
1697064641
BizInure has been a great company for our insurance needs. I wish customers services was 24/7, that would make it a five stars
Novilette L. J.
1696828014
js_loader
Google Rating
4.7
Based on 242 reviews
×
js_loader