Certificate of Insurance
for Roofing Contractors
Everything Florida roofing 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 Roofing Contractors in Florida
Required — all employees, including owners (no exemption for roofing)
$1M / $2M minimum; many GCs require $2M / $4M
Roofing is the only trade in Florida where corporate officers cannot exempt themselves from workers comp.
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
COI FAQs — Roofing Contractors
Why can't roofing contractors exempt officers from workers comp in Florida?
Florida Statute 440.02 explicitly excludes roofing contractors from the corporate officer exemption available to other construction trades. Every officer of a roofing company must be covered under a workers comp policy. This applies to both Florida-based and out-of-state roofing contractors working in Florida.
What GL limits do Florida roofing contractors need on their COI?
Most Florida general contractors require roofing subcontractors to carry at least $1M per occurrence / $2M aggregate in general liability. Many large GCs and commercial projects require $2M / $4M. Some high-value projects require a $5M umbrella in addition to the base GL policy. Always confirm limits with your GC before binding coverage.
Do Florida roofing contractors need an additional insured endorsement on their COI?
Yes, in almost every case. Florida GCs require roofing subcontractors to add them as additional insured on both the GL and workers comp policies. This must be done before the COI is issued — you cannot add an additional insured retroactively. Bright Coast Insurance can add additional insured endorsements at the time of binding.
How quickly can a Florida roofing contractor get a COI?
Bright Coast Insurance can typically bind roofing coverage and issue a COI within 24–48 hours. For urgent job starts, call us directly — we work with carriers that offer same-day binding for qualified roofing contractors.
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.
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.