Florida Contractor Insurance
Florida contractor insurance from a veteran-owned Florida agency licensed in Florida.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover in Florida
Construction contractors across trades — general contractors, electrical, plumbing, HVAC, roofing, concrete, landscaping, painting, and handyman operations.
What Florida requires
- Regulator: Florida Department of Business and Professional Regulation
- Workers compensation threshold: 1 or more employees for construction; 4 or more for non-construction.
- State liability minimum (GC): $300,000 liability, $50,000 property damage
Florida climate and risk considerations
Hurricane season runs June through November. Named-storm deductibles are typically a percentage of insured value rather than a flat dollar amount. Florida-resident agency based in DeLand.
- Hurricane season (June–November)
- Named-storm wind exposure
- Humidity
Common Florida venue requirements
Most Florida venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common Florida markets we issue certificates for:
- Orlando corporate, school, and county venues
- Tampa corporate, school, and county venues
- Miami corporate, school, and county venues
- Jacksonville corporate, school, and county venues
- Fort Lauderdale corporate, school, and county venues
- Tallahassee corporate, school, and county venues
What affects cost in Florida
Florida requires workers compensation for construction at 1 or more employees and for non-construction at 4 or more. Florida state liability minimum for general contractors is $300,000 liability and $50,000 property damage. Premium depends on revenue, payroll, project mix, claims history, and tool inventory. Hurricane season runs June through November. Named-storm deductibles are typically a percentage of insured value rather than a flat dollar amount. Florida-resident agency based in DeLand.