Certificate of Insurance
for Electrical Contractors
Everything Florida electrical contractors need to know about COI requirements, coverage limits, endorsements, and how to get a certificate fast.
What's on a Florida Contractor COI?
A standard ACORD 25 certificate of insurance includes your policy details for each coverage line. Florida contractors typically need to show the following on their COI:
COI Requirements for Electrical Contractors in Florida
Required — 1+ employees; owners may file exemption
$1M / $2M standard; some utilities require $5M
Florida electrical contractor license requires proof of workers comp or exemption on file with DBPR.
COI Requirements by Florida County
County-specific requirements for contractor certificates of insurance in Florida.
Miami-Dade County
Workers comp required for all construction; GL $1M min; licensed contractors must maintain COI on file with county
Broward County
Workers comp required; GL $1M / $2M standard; additional insured required for county projects
Palm Beach County
Workers comp required; GL $1M / $2M; waiver of subrogation required for county contracts
Hillsborough County
Workers comp required; GL $1M / $2M; county projects require $5M umbrella
Lee County
Workers comp required; GL $1M / $2M; Lee County requires COI on file for all licensed contractors
Collier County
Workers comp required; GL $1M / $2M; Collier County projects often require $5M aggregate
Sarasota County
Workers comp required; GL $1M / $2M; Sarasota County requires additional insured endorsement for public works
Charlotte County
Workers comp required; GL $1M / $2M; Charlotte County follows standard Florida contractor requirements
Frequently Asked Questions
What is a certificate of insurance (COI) in Florida?
A certificate of insurance (COI) is a one-page document that summarizes your insurance coverage — policy numbers, coverage types, limits, and effective dates. In Florida, contractors are required to provide COIs to general contractors, property owners, and licensing boards before starting work. A COI is not a policy; it is evidence that a policy exists.
What insurance is required on a Florida COI for contractors?
Most Florida general contractors and job sites require workers compensation insurance and general liability insurance at minimum. Commercial auto is often required if you use vehicles on the job. Some projects require additional insured endorsements, umbrella/excess liability, or specific coverage limits (e.g., $1M per occurrence, $2M aggregate).
How quickly can I get a COI in Florida?
With Bright Coast Insurance, most COIs are issued within 24–48 hours of binding coverage. For existing clients, we can issue a COI the same day via email. Rush COIs for urgent job starts are available — call us directly.
What is an additional insured endorsement on a Florida COI?
An additional insured endorsement adds another party (typically the general contractor or property owner) to your liability policy. This means if a claim arises from your work, the additional insured is also protected. Many Florida GCs require this before allowing subcontractors on site.
What is a waiver of subrogation on a Florida COI?
A waiver of subrogation prevents your insurance carrier from seeking reimbursement from the additional insured after paying a claim. Many Florida construction contracts require this endorsement. It must be added to your policy before the COI is issued — you cannot add it retroactively.
Can a general contractor require specific COI limits in Florida?
Yes. Florida GCs and project owners can set minimum coverage requirements as a condition of the contract. Common requirements include $1M per occurrence / $2M aggregate for general liability, $1M for workers comp employer's liability, and $1M for commercial auto. Some large projects require $5M or more.
What happens if my COI expires while I'm on a job in Florida?
If your policy lapses or expires, your COI becomes invalid. The GC may require you to stop work until you provide a current COI. In Florida, working without valid workers comp coverage in the construction industry can result in a stop-work order from the Department of Financial Services.
Need a COI Today?
Bright Coast Insurance issues certificates of insurance within 24–48 hours for new clients. Existing clients get same-day COIs on request.