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.
Trusted Resources for Florida Contractors
Insurance is one piece of running a compliant Florida contracting business. These partners specialize in the services contractors need most.
Workers' Comp Audit Defense
Received an unexpected audit bill? The Audit Monkey is a Florida bookkeeping and payroll firm built exclusively for contractors. They specialize in workers' comp audit disputes, subcontractor COI management, and payroll processing — and have recovered over $10M in overcharges for Florida contractors.
Visit theauditmonkey.comSame-Day Certificates of Insurance
Need a COI to start a job today? Bright Coast issues certificates of insurance the same day for most Florida contractors — workers' comp, general liability, and builders risk.
Get a Same-Day COICommon Questions
Florida Contractor Insurance FAQ
What insurance do Florida contractors need?+−
Most Florida contractors need at minimum workers' compensation insurance and general liability insurance. Workers' comp is legally required for construction employers with one or more employees (including the owner). General liability is required by most general contractors, project owners, and licensing boards before work can begin. Some trades also need commercial auto, inland marine, and umbrella coverage.
How much does contractor insurance cost in Florida?+−
Florida contractor insurance costs vary significantly by trade and payroll. Workers' comp rates range from under $1 per $100 of payroll for lower-risk trades (clerical, 8810) to $6.752 for roofing (code 5551) and over $15 for specialty trades like iron/steel erection. General liability typically runs $800–$2,500 per year for small contractors. Bright Coast Insurance shops multiple carriers to find the most competitive rates for your specific class code and project type.
Can I get a same-day certificate of insurance in Florida?+−
Yes. Bright Coast Insurance issues certificates of insurance the same business day in most cases. You can request a certificate through our online portal 24/7 or call/text us at (239) 475-0361 Monday through Friday, 8 AM–5 PM.
Does Florida require workers' comp for subcontractors?+−
Yes. In Florida's construction industry, the general contractor is responsible for ensuring that all subcontractors have their own workers' compensation coverage. If a subcontractor does not have coverage, the general contractor's policy may be required to cover them, which can significantly increase the general contractor's premium. Always request certificates of insurance from every subcontractor before work begins.
Ready to Get Your Florida Contractor Insurance?
Fast quotes · Competitive rates · Florida specialists