Certified General Contractor Insurance Requirements in Florida
2026 Florida CGC 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
CILB
F.S. 489.115 / DBPR Rule 61G4
CGC Insurance Requirements — Full Details
The Florida CGC (Certified General Contractor) license is issued by the CILB and authorizes unlimited commercial and residential construction. Insurance requirements include a minimum of $300,000 per occurrence in General Liability and active workers' compensation coverage for all non-exempt employees. Unlike roofing contractors, general contractors may exempt up to three corporate officers from workers' comp. The qualifying agent is personally responsible for maintaining insurance, and any lapse results in automatic license suspension.
Required Insurance
- General Liability: $300,000 per occurrence minimum
- Workers' Compensation: required for all non-exempt employees
- Up to 3 corporate officers may file for exemption with the FDFS
- COI must name CILB as certificate holder
- Insurance must remain active — lapse triggers license suspension
Workers' Comp Note
Florida general contractors may exempt up to three corporate officers from workers' comp coverage. However, all non-exempt employees must be covered. Sole proprietors with no employees are also exempt, but must carry a policy if they hire subcontractors who don't have their own coverage.
Key Facts
- GL minimum: $300,000 per occurrence
- Up to 3 officers may be exempt from workers' comp
- COI must name CILB as certificate holder
- State-certified license valid statewide
- License suspends automatically on insurance lapse
Get Your CGC Insurance Today
Bilingual agents available. Same-day COI naming the CILB as certificate holder.
FAQs — CGC License Insurance Requirements
What insurance is required for a Florida CGC license?
Florida CGC license holders must maintain General Liability insurance with a minimum of $300,000 per occurrence and workers' compensation for all non-exempt employees. The certificate of insurance must name the CILB as certificate holder and be kept current at all times.
Can a Florida general contractor owner exempt themselves from workers' comp?
Yes, unlike roofing contractors, general contractors in Florida may exempt up to three corporate officers from workers' compensation coverage by filing a Notice of Election to be Exempt with the Florida Division of Financial Services (FDFS). However, all non-exempt employees must still be covered.
What is the difference between a CGC and CBC license in Florida?
A CGC (Certified General Contractor) license authorizes unlimited commercial and residential construction statewide. A CBC (Certified Building Contractor) license is more limited in scope. Both require the same minimum insurance levels, but the CGC is the most comprehensive contractor license in Florida.
How much does GL insurance cost for a Florida CGC license?
General Liability insurance for a Florida general contractor typically costs $1,500–$5,000 per year for a small contractor, depending on payroll, revenue, and claims history. Bright Coast Insurance can provide a same-day quote — call (239) 323-0785.
Other Florida Contractor License Requirements
Get Your CGC Insurance Today
Same-day COI for Florida certified general contractor. Bilingual agents available.