# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Best General Liability Insurance for Contractors in Florida (2026)

This guide compares the top general liability insurance carriers for Florida contractors, based on coverage, pricing, claims handling, and appetite for Florida construction risks.

## Florida Contractor GL Requirements

Florida requires GL insurance for most licensed contractors:

| License Type | Minimum GL Required |
|---|---|
| Certified General Contractor | $300,000 per occurrence |
| Certified Roofing Contractor | $300,000 per occurrence |
| Certified Electrical Contractor | $300,000 per occurrence |
| Certified Plumbing Contractor | $300,000 per occurrence |
| Certified HVAC Contractor | $300,000 per occurrence |

Most commercial clients and GCs require $1,000,000 per occurrence / $2,000,000 aggregate.

## Top Florida Contractor GL Carriers

### 1. Markel Insurance
**Best for:** General contractors, electrical, plumbing, HVAC  
**AM Best Rating:** A (Excellent)  
**Estimated Premium:** $1,200–$5,000/year for small contractors  
**Strengths:** Strong appetite for Florida contractors, competitive rates, broad coverage including completed operations  
**Watch-outs:** Limited appetite for roofing  

### 2. Employers Holdings (EIG)
**Best for:** Small contractors and service businesses  
**AM Best Rating:** A- (Excellent)  
**Estimated Premium:** $800–$3,500/year  
**Strengths:** Competitive rates for lower-hazard trades, fast certificate issuance, online policy management  
**Watch-outs:** Limited appetite for roofing and high-hazard construction  

### 3. FWC (Florida Workers' Compensation) Admitted GL Program
**Best for:** Roofing contractors and high-hazard trades  
**Type:** Admitted Florida program  
**Minimum Premium:** $7,000/year  
**Strengths:** One of the few admitted markets willing to write roofing GL in Florida; FCG 1006 form; strong capacity  
**Watch-outs:** High minimum premium; requires loss runs; applies FCG 1006 exclusions  

### 4. Nautilus Insurance (W.R. Berkley)
**Best for:** Mid-size contractors needing surplus lines GL  
**AM Best Rating:** A+ (Superior)  
**Strengths:** Surplus lines capacity for difficult-to-place risks, competitive rates for mid-size contractors  
**Watch-outs:** Surplus lines — not admitted in Florida  

### 5. Kinsale Capital Group
**Best for:** High-hazard contractors requiring surplus lines  
**AM Best Rating:** A- (Excellent)  
**Strengths:** Specialist surplus lines carrier, strong appetite for roofing and high-hazard trades  
**Watch-outs:** Surplus lines — not admitted; higher rates than admitted market  

## Admitted vs. Non-Admitted GL in Florida

| | Admitted | Non-Admitted (Surplus Lines) |
|---|---|---|
| Rate regulation | Subject to Florida OIR | Not regulated |
| Guaranty fund protection | Yes | No |
| Availability | Limited for high-hazard trades | Available for most risks |
| Typical premium | Lower | Higher |

Roofing contractors in Florida almost always require non-admitted (surplus lines) GL due to the high-risk nature of the trade and the withdrawal of admitted carriers from the roofing market.

**Get a quote:** (239) 323-0785 | support@brightcoastins.com



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*