Certified Electrical Contractor Insurance Requirements in Florida
2026 Florida EC license requirements: $300,000 per occurrence GL minimum. Officers may exempt from workers' comp.
GL Minimum
$300,000 per occurrence
per occurrence
Workers' Comp
Required (up to 3 officers may be exempt)
Regulating Body
ECLB
F.S. 489.515 / DBPR Rule 61G6
EC Insurance Requirements — Full Details
Florida EC (Certified Electrical Contractor) license holders are regulated by the ECLB under F.S. 489.515. The minimum General Liability requirement is $300,000 per occurrence, and workers' compensation is required for all non-exempt employees. Up to three corporate officers may be exempt. The ECLB certificate holder on the COI must be kept current — lapses result in license suspension. Electrical contractors also typically need to carry higher GL limits for commercial work, as many property owners require $1,000,000 per occurrence.
Required Insurance
- General Liability: $300,000 per occurrence minimum
- Workers' Compensation: required for all non-exempt employees
- COI must name ECLB as certificate holder
- Insurance must be maintained continuously
- Up to 3 officers may file for exemption with FDFS
Workers' Comp Note
Florida electrical contractors may exempt up to three corporate officers from workers' comp. All non-exempt employees must be covered. The ECLB requires proof of insurance on file at all times.
Key Facts
- GL minimum: $300,000 per occurrence
- Regulated by ECLB under F.S. 489.515
- Up to 3 officers may be exempt from workers' comp
- COI must name ECLB as certificate holder
- State-certified license valid statewide
Get Your EC Insurance Today
Bilingual agents available. Same-day COI naming the ECLB as certificate holder.
FAQs — EC License Insurance Requirements
What insurance is required for a Florida EC electrical contractor license?
Florida EC license holders must maintain General Liability insurance with a minimum of $300,000 per occurrence and workers' compensation for all non-exempt employees. The COI must name the ECLB as certificate holder.
Can a Florida electrical contractor owner exempt themselves from workers' comp?
Yes. Florida electrical contractors may exempt up to three corporate officers from workers' compensation by filing a Notice of Election to be Exempt with the FDFS. However, all non-exempt employees must still be covered.
How much does insurance cost for a Florida electrical contractor?
General Liability for Florida electrical contractors typically costs $1,200–$3,500 per year. Workers' comp rates for electricians (class code 5190) run approximately $2.50–$4.50 per $100 of payroll. Bright Coast Insurance can provide a same-day quote.
Other Florida Contractor License Requirements
Get Your EC Insurance Today
Same-day COI for Florida certified electrical contractor. Bilingual agents available.