Certified Plumbing Contractor Insurance Requirements in Florida
2026 Florida CFC 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
CFC Insurance Requirements — Full Details
Florida CFC (Certified Plumbing Contractor) license holders are regulated by the CILB under F.S. 489.115. The minimum General Liability requirement is $300,000 per occurrence, and workers' compensation is required for all non-exempt employees. Plumbing contractors have some of the lowest workers' comp rates in Florida (class code 5183, approximately $2.25–$4.00 per $100 of payroll), making compliance relatively affordable. The COI must name the CILB as certificate holder.
Required Insurance
- General Liability: $300,000 per occurrence minimum
- Workers' Compensation: required for all non-exempt employees
- COI must name CILB as certificate holder
- Insurance must be maintained continuously
- Up to 3 officers may file for exemption with FDFS
Workers' Comp Note
Florida plumbing contractors may exempt up to three corporate officers from workers' comp. All non-exempt employees must be covered. The CILB requires proof of insurance on file at all times.
Key Facts
- GL minimum: $300,000 per occurrence
- Regulated by CILB under F.S. 489.115
- Up to 3 officers may be exempt from workers' comp
- WC class code 5183 — one of the lowest rates in construction
- COI must name CILB as certificate holder
Get Your CFC Insurance Today
Bilingual agents available. Same-day COI naming the CILB as certificate holder.
FAQs — CFC License Insurance Requirements
What insurance is required for a Florida CFC plumbing license?
Florida CFC 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 CILB as certificate holder.
How much does workers' comp cost for a Florida plumbing contractor?
Workers' comp for Florida plumbing contractors (class code 5183) runs approximately $2.25–$4.00 per $100 of payroll — among the lowest rates in construction. For a contractor with $150,000 payroll, expect a base premium of approximately $3,375–$6,000 per year.
Other Florida Contractor License Requirements
Get Your CFC Insurance Today
Same-day COI for Florida certified plumbing contractor. Bilingual agents available.