Our specialty

Insurance for Florida contractors who actually build.

Construction is where we live. A roofing contractor needs completed-operations coverage a retail shop never thinks about; a framer’s workers’ comp class code can make or break a bid. We know the trades, the carriers who write them, and the Florida rules that trip everyone else up.

Get a Contractors quote (954) 872-1136

$97B Florida construction output — 5.7% of state GDP, 85,600 establishments (AGC 2024).

Who we cover

Trades & operations we write

General contractors
Roofing
HVAC
Plumbing
Electrical
Concrete & masonry
Framing
Excavation & site work
Drywall
Painting
Landscaping & hardscape
Specialty & sub-trades

What you’ll likely need

The coverages that matter for contractors

We tailor the program to your operation — these are the policies most contractors accounts carry.

Workers’ Compensation Pays medical bills and lost wages for on-the-job injuries — and shields you from the lawsuit. Learn more General Liability Covers third-party bodily injury, property damage, and advertising injury — like a customer slip-and-fall. Learn more Builder’s Risk Covers structures under construction against fire, theft, and wind before the project is done. Learn more Surety & Contractor Bonds Guarantee that you’ll perform a contract or hold a license — bid, performance, payment, and license bonds. Learn more Commercial Auto Covers vehicles used for business — owned trucks, vans, and the gaps personal auto leaves. Learn more Inland Marine Covers tools, equipment, and property in transit or off-site — where standard property stops. Learn more Commercial Umbrella / Excess Adds limits on top of your GL, auto, and employer’s liability when a claim blows past the primary. Learn more

Florida requirements

What Florida actually requires

The specifics generalists miss — and we don’t.

Workers’ Comp is mandatory at 1+ employee in construction — no exemption math that doesn’t hold up.
GL of $1M/$2M is the contract standard; most counties require it before issuing a license.
Public projects over $100K require performance & payment bonds (Florida’s “Little Miller Act”).
Roofing and heavy/high-hazard work often needs surplus-lines (E&S) placement — we hold the relationships.

Questions, answered plainly

Contractors insurance FAQs

Do I need workers’ comp if it’s just me and one helper?

In Florida construction, yes — coverage is mandatory at one or more employees. Sole proprietors and officers can sometimes file an exemption, but the math is strict and a stop-work order plus a 2× penalty is the price of getting it wrong. We’ll tell you exactly where you stand.

How fast can I get a certificate of insurance for a job?

Same day, in most cases. Once you’re bound, we issue COIs — including additional-insured and waiver-of-subrogation wording — fast, because we know a GC won’t let you on site without one.

My roofing risk keeps getting declined. Can you place it?

Often, yes. Roofing and other high-hazard trades usually land in the surplus-lines (E&S) market, which is exactly where a commercial specialist with the right carrier relationships earns their keep.

What does a builder’s risk policy actually cover?

The structure while it’s being built — materials, labor invested, and the building itself — against fire, theft, and wind. In Florida the named-storm deductible is the detail that matters most; we set it before hurricane season, not during.