Contractor Insurance Florida

Florida’s fast-growing construction and service industries create strong opportunities for contractors across the state. Whether you work in general construction, plumbing, HVAC, electrical, roofing, landscaping, or specialized trades, every project comes with risks. From job-site injuries to property damage and weather-related losses, even a single incident can affect your business financially.

That’s why having the right contractor insurance in Florida is essential—both for protecting your business and meeting state and client requirements. At Prime Insurance Solutions, we help contractors secure customized insurance solutions that offer strong protection at competitive rates.

What Is Contractor Insurance?

Contractor insurance is a bundle of coverages designed to protect contractors and subcontractors from liabilities, property losses, and job-related risks. Whether you operate as an independent contractor or manage a full crew, this coverage helps shield your business from unexpected financial setbacks.

1. General Liability Insurance

General liability insurance is the foundation of contractor protection. It covers:

• Third-party bodily injury

• Property damage

• Legal fees

• Completed operations claims

If a client trips on your job site or your crew accidentally damages a customer’s property, general liability helps cover the resulting costs.

2. Workers’ Compensation Insurance

Florida law requires contractors with employees to carry workers’ compensation insurance. This policy covers medical costs, lost wages, and rehabilitation expenses if an employee is injured while performing work duties.

For many licensed contractors, workers’ comp is also a requirement to maintain active licensing through the state.

3. Commercial Auto Insurance

If your business uses vehicles to transport tools, equipment, or employees, you’ll need commercial auto insurance. This coverage protects you against liabilities, collisions, theft, and damage while vehicles are used for work-related purposes.

4. Tools & Equipment Coverage

Your tools and machinery are vital assets. This coverage pays to repair or replace tools that are:

• Damaged

• Stolen

• Lost

• Vandalized

It applies whether your tools are on-site, in transit, or stored.

5. Builder’s Risk Insurance

Builder’s risk coverage protects structures under construction from risks such as fire, theft, vandalism, and weather-related damage—especially relevant in Florida’s hurricane-prone climate.

6. Surety Bonds

Many Florida projects, especially commercial and government jobs, require surety bonds. Bonds provide assurance that your business will complete the project according to contract terms.

Why Florida Contractors Need Strong Insurance Protection

Operating as a contractor in Florida comes with unique risks:

• Heavy storm activity and hurricane exposure

• High volume of construction projects

• Strict licensing regulations

• Job-site injury risks

• Potential liability from subcontractors

Having the proper insurance not only protects your business but also:

• Helps you secure more contracts

• Ensures compliance with state and client requirements

• Enhances your professional credibility

• Reduces financial exposure from lawsuits or accidents

Get a Contractor Insurance Quote in Florida

Every contractor’s needs are different. At Prime Insurance Solutions, we specialize in creating customized and affordable contractor insurance packages in Florida to keep your business protected year-round. Whether you’re a solo tradesman or managing multiple crews, we’ll help you find the coverage that fits your work and budget.

Protect your business with confidence—contact us today for a free Florida contractor insurance QUOTE!