Business Insurance for Florida Contractors

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.

Coverages contractors commonly need

• General liability: for injuries and property damage on the job.
• Workers' compensation: required for most construction work in Florida.
• Commercial auto: for work trucks and vehicles.
• Inland marine: for tools and equipment on the move.

Why contracts drive coverage

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.

What Truscott recommends

Build coverage around the work you actually do and the contracts you sign. Explore business insurance or start a free quote.