General Contracting · Florida
Florida regulates contractors tightly and is the most wind-exposed building market in the country. Licensing, construction defect litigation, and carrier appetite all move here, and a program written two years ago may not reflect today's market.
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At audit time, the auditor compares the payroll you estimated to the payroll you actually paid. Any sub who can’t produce a certificate for the work they did can end up on your bill instead of theirs. Answer a handful of questions about your crews, your subs, and your payroll, and see where you stand before the audit does. Built for general contractors who run 1099 crews.
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What Matters Here
General contracting is a state-regulated trade in Florida. Contractors generally need a certified or registered general, building, or residential contractor license through the CILB, and applicants must show general liability coverage and workers' compensation or a valid exemption.
Construction employers in Florida generally need workers' compensation starting at one employee. Corporate officers can apply for limited exemptions, but construction thresholds are strict and uninsured subcontractor payroll is commonly charged back at audit.
Named-storm wind dominates. South Florida's High-Velocity Hurricane Zone adds stricter product approval and installation rules that affect permitting, inspection, and defect claims alike.
Licensing and coverage requirements change and vary by jurisdiction and contract. Treat this as a starting point and confirm the specifics with a licensed agent before you rely on it.
Areas We Cover
Exposure changes across the state. Pick the region you work in for the specifics — or use the form below if you cover more than one.
Coverage Types
A complete program is usually six policies working together, not one general liability certificate.
Third-party bodily injury and property damage across every trade on your site, including the completed operations coverage that responds to defect claims after the job closes.
Medical bills and lost wages for your own crew — and the policy that absorbs uninsured subcontractor payroll at audit. Certificate discipline is the cheapest premium control a GC has.
Covers the structure under construction, plus materials on site and in transit, against fire, wind, theft, and vandalism. Neither your GL nor the owner's property policy reliably covers work in progress.
Trucks, trailers, and equipment hauling between sites, plus hired and non-owned auto for supers and PMs running jobs in personal vehicles.
If you deliver design-build or take on any means-and-methods responsibility, professional liability covers the design decisions that general liability specifically excludes.
Sits above GL and auto. Owners, lenders, and public work routinely require $5M or more in total limits before you can break ground.
Why It's Different
At audit, payments to any sub who can't produce a valid certificate for the period they worked are typically treated as your own payroll. Because GCs subcontract most of the job, this is the single largest source of surprise premium in the trade.
Statutory employer rules pull you toward responsibility for the employees of subs — and sometimes subs of subs — when coverage below you fails. You can be exposed to crews you never hired and never met.
Construction defect claims arrive years after the certificate of occupancy, often after the sub who did the work has dissolved. Whether your policy still responds depends on completed operations coverage and how your contracts were written at the time.
Owners and lenders demand additional insured status, waivers, and primary & non-contributory wording from you, and you need the same flowing up from every sub. A single missing endorsement moves a claim onto your policy.
A roofer has one class code. A GC touches carpentry, concrete, mechanical, and finish work, and an uninsured sub gets rated at the code for the work performed — not the cheapest one on your policy.
The low-rated project manager and construction executive classification carries hard qualifying tests around levels of supervision. Fail them and that payroll can be reassigned to the highest-rated construction code on the policy.
Common Questions
A certified license is issued statewide, while a registered license is tied to specific local jurisdictions that have their own competency requirements. Both are issued through the CILB and both generally require proof of general liability coverage and either workers' compensation or a valid exemption.
Florida has an active construction defect litigation environment and a statutory pre-suit notice process, so completed operations coverage and how long it stays in force matter a great deal. Carriers vary widely in appetite, particularly for multi-family and condominium work, which makes carrier selection more consequential here than pricing.
At audit, what you paid that sub is generally treated as your own payroll and you pay premium on it. How much depends on your records: labor-only work is typically included at a high percentage, labor and materials at a lower one when your invoices separate the two, and the full contract price when they don't. Collect certificates before the crew starts and keep them until the audit closes.
Related:Chargeback Risk Score →
Often yes. Statutory employer rules in many states look up the chain of contractors until they find coverage, which can land on you even though you never signed a contract with that crew. Requiring your subs to carry coverage and to flow the same requirement down to their subs is the practical defense.
Partly, and it is one of the most litigated questions in construction insurance. Damage caused by defective work is treated very differently from the cost of fixing the defective work itself, and completed operations coverage determines whether the policy responds after the job closes. This is worth reviewing line by line with a licensed agent.
Related:Coverage Gap Assessment →
Usually yes, and the contract normally says who buys it. A building under construction isn't a finished building, and neither your general liability nor a standard owner's property policy reliably covers materials on site, in transit, or work in progress. Confirm which party is responsible before work starts.
Payroll is assigned by the work being performed rather than by your company's title, so a GC often carries several class codes at once. Supervisory classifications for project managers and construction executives carry strict qualifying tests, and uninsured subcontractor payroll is rated at the code that would have applied if your own employees had done that work.
Because their own risk transfer depends on it. Additional insured status, waiver of subrogation, and primary & non-contributory wording push a claim toward your policy first. Expect all three on nearly every commercial contract, and expect to require them from your subs in turn.
Tell us about your business and an independent agent licensed in Florida will reach out within one business day.
Other Trades
Run more than one kind of work? Here's the same Florida rundown for the other trades we cover.
Other States