Florida Contractor Insurance: Workers' Comp & General Liability
Bright Coast Insurance specializes in coverage for Florida's construction trades. Whether you're a roofer in Miami, an electrician in Orlando, or a general contractor in Tampa, we deliver fast quotes and competitive rates — statewide.
Two Essential Coverages for Florida Contractors
Florida law requires most contractors to carry both. We make it easy to get both under one roof.
Workers' Compensation
Required for most Florida contractors with employees. Covers medical bills and lost wages when a worker is injured on the job. Florida's construction industry has some of the strictest WC requirements in the country.
Learn about Workers' CompGeneral Liability
Protects your business from third-party claims for property damage and bodily injury. Required by most Florida general contractors and project owners before work begins. Certificates issued same day.
Learn about General LiabilityCoverage by Trade
Each trade has unique risk profiles, class codes, and compliance requirements. Select your trade for detailed coverage information.
Roofing Contractors
General Contractors
HVAC Contractors
Electrical Contractors
Plumbing Contractors
Framing Contractors
Concrete Contractors
Masonry Contractors
Coverage by City
We serve contractors across every major Florida market. Each city page covers local licensing requirements, market context, and trade-specific links.
Why Florida Contractors Choose Bright Coast
We are an independent Florida insurance agency with deep expertise in the construction trades. We work with multiple carriers to find the best rates for your specific class code, payroll, and project type — whether you are a solo subcontractor or a crew of fifty.
Same-Day Certificates
Need a COI to start a job? We issue certificates of insurance the same day in most cases.
Florida Specialists
We understand Florida's unique construction licensing, NCCI class codes, and carrier appetite for high-risk trades.
English & Spanish
Our team serves Florida's diverse contractor community in both English and Spanish.
Ready to Get Your Florida Contractor Insurance?
Fast quotes · Competitive rates · Florida specialists