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
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Fast, Simple, convenient
This company is very efficient, easy to manuever their online renewal, I love it and would recommend to anyone.
Awesome service!
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Excellent and Easy service - Thank you.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
Google Rating
Based on 296 reviews