Florida Contractor Compliance Guide
Complete guide to Florida contractor insurance requirements, licensing, and compliance regulations
Florida Contractor Insurance Requirements
Essential insurance coverage required for Florida contractor licensing
General Liability Insurance
RequiredRequired for most contractor licenses with minimum coverage amounts.
Workers Compensation
RequiredMandatory for contractors with employees in Florida.
Surety Bond
RequiredRequired for certain contractor classifications and license types.
Commercial Auto
ConditionalRequired if using vehicles for business purposes.
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
Minimum Insurance
Specialty Construction
License Types
- Roofing Contractor
- Electrical Contractor
- Plumbing Contractor
- HVAC Contractor
Required Bond
Minimum Insurance
Structural
License Types
- Structural Contractor
- Steel Erection Contractor
Required Bond
Minimum Insurance
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 WebsiteWorkers Comp Division
Florida Department of Financial Services workers compensation information.
Visit DFS WebsiteNeed Help with Florida Compliance?
Our Florida insurance specialists can help you navigate state requirements and secure compliant coverage.