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Florida Contractor Insurance

Get licensed and insured in Florida with comprehensive coverage and competitive rates. Fast quotes, expert service.

20M+
Population
$1.1T
GDP
300K+
Construction Workers
67 Counties
Service Areas

Florida Contractor Insurance Coverage

Essential coverage types for Florida contractors

General Liability Insurance

Required for most contractor licenses in Florida

$300,000 - $1,000,000
  • Bodily injury and property damage coverage
  • Products and completed operations
  • Personal and advertising injury
  • Medical expense coverage

Workers Compensation

Mandatory for all employees in Florida

Statutory limits
  • Medical expenses for injured workers
  • Lost wage replacement
  • Death benefits for families
  • Return to work programs

Surety Bonds

Required for contractor licensing

$2,500 - $50,000
  • License bond protection
  • Performance bonds for projects
  • Payment bonds for subcontractors
  • Bid bonds for public work

Florida Contractor License Requirements

Insurance and bond requirements by license type

Certified General Contractor

New constructionMajor renovationsCommercial projects
Required Bond
$50,000
Min Insurance
$1,000,000 GL

Certified Building Contractor

Residential constructionBuilding renovationsStructural work
Required Bond
$50,000
Min Insurance
$1,000,000 GL

Certified Residential Contractor

Single-family homesTownhomesResidential repairs
Required Bond
$50,000
Min Insurance
$1,000,000 GL

Roofing Contractor

Roof installationRoof repairsRoof maintenance
Required Bond
$25,000
Min Insurance
$300,000 GL

Electrical Contractor

Electrical installationWiringElectrical repairs
Required Bond
$10,000
Min Insurance
$300,000 GL

Plumbing Contractor

Plumbing installationPipe workPlumbing repairs
Required Bond
$10,000
Min Insurance
$300,000 GL

We Serve All of Florida

Licensed to write contractor insurance throughout the Sunshine State

Miami
Tampa
Orlando
Jacksonville
St. Petersburg
Hialeah
Tallahassee
Fort Lauderdale
Port St. Lucie
Cape Coral

Why Choose CCA for Florida Insurance?

Florida Expertise

Deep knowledge of Florida construction industry and regulations

Fast Licensing Support

Help you get licensed quickly with proper insurance and bonds

Competitive Rates

Access to multiple carriers for the best pricing

Claims Support

Expert assistance when you need to file a claim

Risk Management

Safety programs to help reduce your insurance costs

Local Service

Personal service from agents who understand your market

Ready to Get Licensed in Florida?

Get a fast, competitive quote for your Florida contractor insurance and start working legally today.