Certified Roofing Contractor Insurance Requirements in Florida
2026 Florida CCC license requirements: $300,000 per occurrence GL minimum. No officer exemption from workers' comp.
CCC Roofing — No Officer Exemption: Florida Statute 489.115(4)(b) prohibits roofing contractors from exempting corporate officers from workers' comp. All workers, including owners, must be covered. This is unique to roofing.
GL Minimum
$300,000 per occurrence
per occurrence
Workers' Comp
Required (no exemption for officers)
Regulating Body
CILB
F.S. 489.115 / DBPR Rule 61G4
CCC Insurance Requirements — Full Details
Florida CCC (Certified Roofing Contractor) license holders face the strictest insurance requirements of any construction trade in the state. Unlike most other contractor licenses, Florida Statute 489.115 explicitly prohibits roofing contractors from exempting corporate officers from workers' compensation coverage. This means every person working on a roofing job — including the owner — must be covered by a workers' comp policy. The General Liability minimum is $300,000 per occurrence, and the certificate must name the CILB as certificate holder. Any lapse in coverage triggers automatic license suspension.
Required Insurance
- General Liability: $300,000 per occurrence minimum
- Workers' Compensation: mandatory for all employees including officers — no exemptions
- Certificate of Insurance (COI) must name the CILB as certificate holder
- Insurance must be maintained continuously — lapse triggers license suspension
- Qualifying agent must maintain insurance in their name or the company's name
Workers' Comp Note
Florida law prohibits roofing contractors from exempting corporate officers from workers' comp coverage. All workers, including owners, must be covered. This applies to all entities holding a CCC license.
Key Facts
- No officer exemption — owners must be covered by workers' comp
- GL minimum: $300,000 per occurrence
- COI must name CILB as certificate holder
- License suspends automatically on insurance lapse
- Applies statewide — no county-by-county variation for state-certified licenses
Get Your CCC Insurance Today
Bilingual agents available. Same-day COI naming the CILB as certificate holder.
FAQs — CCC License Insurance Requirements
Can a Florida roofing contractor owner exempt themselves from workers' comp?
No. Florida Statute 489.115(4)(b) explicitly prohibits roofing contractors from using the corporate officer exemption. Every person performing roofing work, including owners and officers, must be covered by a workers' compensation policy. This is unique to roofing — most other contractor trades can exempt up to three corporate officers.
What is the minimum General Liability insurance for a Florida CCC license?
The CILB requires a minimum of $300,000 per occurrence and $300,000 aggregate for General Liability insurance. However, many general contractors and property owners require higher limits (typically $1,000,000 per occurrence) in their subcontractor agreements, so carrying higher limits is strongly recommended.
What happens if my insurance lapses while I hold a CCC license?
Your CCC license will be automatically suspended if your insurance lapses. The CILB monitors 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 roofing work in Florida.
Do I need a separate policy for each county in Florida?
No. A Florida state-certified CCC license is valid statewide. Your insurance policy covers you throughout Florida as long as it meets the CILB minimums. You do not need separate policies for different counties.
How quickly can I get a Certificate of Insurance for my CCC license application?
Bright Coast Insurance can issue a Certificate of Insurance the same day in most cases. For new policies, we can typically bind coverage and issue a COI within 24–48 hours. Call (239) 323-0785 for same-day service.
Other Florida Contractor License Requirements
Get Your CCC Insurance Today
Same-day COI for Florida certified roofing contractor. Bilingual agents available.