Contractor Insurance Coverage Guide

The Four Pillars of Contractor Insurance

Most Florida contractors need four core coverage lines: general liability, workers compensation, commercial auto, and some form of property or equipment coverage. The specific requirements depend on your trade, your contracts, and Florida regulations.

General Liability for Contractors

Commercial general liability (CGL) insurance protects contractors from third-party claims for bodily injury, property damage, and personal injury. This covers scenarios like a customer tripping over your tools, damage to a client's property during work, or completed operations claims after you finish a project.

Workers Compensation Requirements

Florida requires workers compensation insurance for construction employers with even one employee. This includes subcontractors. Officers of construction corporations can file for exemption, but the requirements are specific and the exemption has limitations. Without proper workers comp, you face significant fines and personal liability.

Commercial Auto for Contractors

Your personal auto policy excludes business use. If you use trucks, vans, trailers, or any vehicle for your contracting business, you need a commercial auto policy. This covers liability, physical damage, hired and non-owned auto, and cargo.

Tools and Equipment Coverage

Your tools, equipment, and materials need protection beyond what a standard property policy provides. Inland marine (contractors equipment) coverage follows your equipment from job site to job site, covering theft, damage, and loss.

Bundling for Better Rates

Many carriers offer package discounts when you bundle multiple lines — GL, workers comp, auto, and property — into a single program. At First Commercial, we evaluate bundled and standalone options to find the most competitive combination for your business.