General Contractor Insurance in Florida

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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.

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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 Florida contractor insurance cover?

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.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
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.
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