Florida Contractor License Insurance Requirements
Complete guide to insurance requirements for every major Florida contractor license type — CCC, CGC, EC, CFC, CAC, and more.
Important: Roofing contractors (CCC license) cannot exempt corporate officers from workers' comp — all workers including owners must be covered. This is unique to roofing under Florida Statute 489.115(4)(b).
Insurance Requirements by License Type
All Florida contractor licenses require a minimum of $300,000 per occurrence in General Liability. Workers' comp requirements vary by trade.
| License | Trade | GL Minimum | Workers' Comp | Regulator | |
|---|---|---|---|---|---|
| CCC | Certified Roofing Contractor | $300,000 per occurrence | No Exemption | CILB | Details |
| CGC | Certified General Contractor | $300,000 per occurrence | Officers May Exempt | CILB | Details |
| EC | Certified Electrical Contractor | $300,000 per occurrence | Officers May Exempt | ECLB | Details |
| CFC | Certified Plumbing Contractor | $300,000 per occurrence | Officers May Exempt | CILB | Details |
| CAC | Certified Air Conditioning Contractor | $300,000 per occurrence | Officers May Exempt | CILB | Details |
Source: DBPR/CILB/ECLB 2026 requirements. Always verify current requirements with the relevant licensing board before applying.
Detailed Requirements by License Type
Select your license type for full insurance requirements, FAQs, and how to get a same-day COI:
Certified Roofing Contractor
Certified General Contractor
Certified Electrical Contractor
Certified Plumbing Contractor
Certified Air Conditioning Contractor
How to Get a COI for Your Florida License
When applying for or renewing a Florida contractor license, you'll need to provide a Certificate of Insurance (COI) naming the relevant licensing board as the certificate holder. Bright Coast Insurance can issue a COI the same day in most cases.
- 1Call (239) 323-0785 or request a quote online — provide your license type and payroll
- 2We bind your GL and workers' comp coverage — typically same day
- 3We issue a COI naming the CILB or ECLB as certificate holder
- 4Submit the COI with your license application or renewal
Get Your COI Today
Bilingual agents available. Same-day COI issuance for all Florida contractor license types.
Frequently Asked Questions
What insurance is required for a Florida contractor license?
All Florida contractor licenses require a minimum of $300,000 per occurrence in General Liability insurance. Workers' compensation is also required for all non-exempt employees. The specific certificate holder on the COI varies by license type: CILB for most trades, ECLB for electrical contractors.
What is the difference between CILB and ECLB in Florida?
The CILB (Construction Industry Licensing Board) regulates most construction trades including general contractors, roofing, plumbing, and HVAC. The ECLB (Electrical Contractors' Licensing Board) specifically regulates electrical contractors. Both require the same minimum insurance levels but different certificate holders on the COI.
Can a Florida contractor owner exempt themselves from workers' comp?
It depends on the trade. Most contractor trades allow up to three corporate officers to file for exemption with the Florida Division of Financial Services. However, roofing contractors (CCC license) are explicitly prohibited from using the officer exemption — all workers including owners must be covered.
What happens if my insurance lapses while I hold a Florida contractor license?
Your license will be automatically suspended if your insurance lapses. The licensing boards monitor insurance continuously through certificates on file. To reinstate, you must provide proof of new coverage and pay a reinstatement fee. During suspension, you cannot legally perform work in Florida.
How quickly can I get a Certificate of Insurance for my Florida contractor license?
Bright Coast Insurance can issue a Certificate of Insurance the same day in most cases. For new policies, we typically bind coverage and issue a COI within 24–48 hours. Call (239) 323-0785 for same-day service.
Get Insurance for Your Florida Contractor License
Same-day quotes and COI issuance. Bilingual agents available.