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Contractors in Florida juggle physical risk, valuable equipment, and licensing requirements, which means their insurance needs are broader than many other small businesses. Getting the right mix protects both the business and the jobs it takes on.
General contractors and clients frequently require proof of insurance, and sometimes additional insured status, before you can start work. Your coverage often determines which jobs you can even bid on.
Build coverage around the work you actually do and the contracts you sign. Explore business insurance or start a free quote.
Contractor general liability limits are usually set by the contracts you sign, not by guesswork. Learn how per-occurrence and aggregate limits work, what happens when a contract demands more than you carry, and how to close the gap.
Business InsuranceCommercial umbrella insurance adds excess liability limits above your general liability, auto, and employer's liability coverage. Learn the contract requirements, asset thresholds, and risk signals that tell a small business it is time to add one.