If you work as a contractor in Florida, you need the right insurance to protect your business, meet job requirements, and avoid costly claims. Most projects and contracts require proof of coverage before you start work.
General liability insurance
This covers property damage and bodily injury caused by your work. Most contractors in Florida carry at least 1 million per occurrence. Many clients and property managers require a certificate of insurance before allowing work on site.
Workers’ compensation insurance
Florida law requires workers’ comp if you have employees. In construction, the requirement starts at one employee. This covers medical costs and lost wages for job-related injuries. Without it, you face fines and stop-work orders.
Commercial auto insurance
If you use a vehicle for work, your personal auto policy will not cover business use. Commercial auto covers accidents, damage, and liability while driving for work.
Tools and equipment coverage
This protects your tools from theft or damage, whether they are on a job site, in transit, or stored. Contractors often lose thousands from stolen equipment.
Builders risk insurance
This covers a project while it is under construction. It protects materials, labor, and the structure from damage such as fire, theft, or weather.
Who needs it?
Builders risk is often required for new construction, major renovations, or projects financed by a lender. The policy usually ends when the project is completed or occupied.
Professional liability insurance
If you provide design, consulting, or advice, this covers claims related to errors or omissions in your work. Nurses, therapists, and home health professionals face similar exposure when providing care or making clinical decisions. A single mistake or allegation can lead to a claim.
How we help?
Liberty Bell Insurance helps contractors and healthcare professionals secure professional liability coverage that fits their work, licensing requirements, and risk level.
What most contractors miss
Many contractors only carry general liability and ignore contract requirements. Jobs often require additional insured, waiver of subrogation, and specific coverage limits. Missing these can delay or cancel a project.
How to choose the right coverage
Review your contracts before starting any job.
Confirm coverage limits required by clients.
Work with an independent agency that understands contractor insurance in Florida.
Update your policy as your business grows.
Contractor insurance in Florida is not one-size-fits-all. The right setup depends on your trade, your contracts, and your risk exposure.
If you need contractor insurance in Florida, Liberty Bell Insurance can review your current coverage and provide options that meet job requirements and protect your business.
