Florida Contractor Compliance Guide

Complete guide to Florida contractor insurance requirements, licensing, and compliance regulations

Get Florida Compliance QuoteFlorida Insurance Guide

Florida Contractor Insurance Requirements

Essential insurance coverage required for Florida contractor licensing

General Liability Insurance

Required

Required for most contractor licenses with minimum coverage amounts.

Typical Amount: $300,000 - $1,000,000

Workers Compensation

Required

Mandatory for contractors with employees in Florida.

Typical Amount: Varies by payroll

Surety Bond

Required

Required for certain contractor classifications and license types.

Typical Amount: $2,500 - $50,000

Commercial Auto

Conditional

Required if using vehicles for business purposes.

Typical Amount: $300,000+

Florida Contractor License Categories

Insurance and bond requirements by license type

Building Construction

License Types

Certified General Contractor
Certified Building Contractor
Certified Residential Contractor

Required Bond

$50,000

Minimum Insurance

$1,000,000 GL

Specialty Construction

License Types

Roofing Contractor
Electrical Contractor
Plumbing Contractor
HVAC Contractor

Required Bond

$10,000 - $25,000

Minimum Insurance

$300,000 GL

Structural

License Types

Structural Contractor
Steel Erection Contractor

Required Bond

$25,000

Minimum Insurance

$1,000,000 GL

Steps to Florida Compliance

Your roadmap to meeting Florida contractor requirements

Obtain Contractor License

Apply through the Florida Department of Business and Professional Regulation.

Complete application, pass exams, meet experience requirements.

Secure Required Insurance

Obtain all mandatory insurance coverage before license approval.

General liability, workers comp, and any specialty coverage required.

Post Surety Bond

File required surety bond with the state licensing board.

Bond amount varies by license type and classification.

Maintain Compliance

Keep insurance and bonds current throughout license period.

Monitor expiration dates and renew before lapse.

Important Compliance Notes

Workers Compensation: Florida law requires workers compensation insurance for all employees, including part-time and seasonal workers.

License Renewal: Florida contractor licenses must be renewed every two years. Insurance and bonds must remain active throughout the license period.

Exempt Status: Corporate officers and single-member LLCs may elect exemption from workers compensation in certain circumstances.

Municipal Requirements: Some cities and counties may have additional insurance or licensing requirements beyond state minimums.

Additional Resources

Florida DBPR

Department of Business and Professional Regulation licensing information.

Visit DBPR Website

Workers Comp Division

Florida Department of Financial Services workers compensation information.

Visit DFS Website

Need Help with Florida Compliance?

Our Florida insurance specialists can help you navigate state requirements and secure compliant coverage.

Get Florida Compliance QuoteCall 844-WORK-247

Loading page...

Important Compliance Notes

Workers Compensation: Florida law requires workers compensation insurance for all employees, including part-time and seasonal workers.

License Renewal: Florida contractor licenses must be renewed every two years. Insurance and bonds must remain active throughout the license period.

Exempt Status: Corporate officers and single-member LLCs may elect exemption from workers compensation in certain circumstances.

Municipal Requirements: Some cities and counties may have additional insurance or licensing requirements beyond state minimums.