Contractor Insurance
in Florida
Protect Your Florida Contracting Business from Risk and Liability
From hurricane risks to complex licensing laws, Florida contractors face unique challenges every day—and just one unexpected claim can be enough to financially devastate your business. That’s why Affordable Contractors Insurance (ACI) provides affordable, state-specific coverage that protects your tools, crew, and reputation—so you can work with confidence, whether you’re framing new builds in Tampa or managing a roofing crew in Miami.
Why Contractors in Florida Choose ACI
Here’s why contractors across the Sunshine State trust ACI with their insurance needs:
Statewide Licensing:
Fully licensed to provide coverage throughout Florida
Fast Quotes & Certificates:
Fast, same-day quotes and certificates
Bundled Savings:
Save up to 25% when you combine policies
Expert Guidance:
Our team understands Florida contractor rules and compliance
Tailored Coverage:
Plans built for high-risk trades like roofing, electrical, and HVAC
Insurance Coverage We Offer in Florida
- General Liability Insurance
Protects you from third-party injury or property damage claims—often required to get licensed in Florida.
- Workers’ Compensation Insurance
Required by Florida law if you have any employees. Covers medical expenses and lost wages after work-related injuries.
- Commercial Auto Insurance
Covers work vehicles used to transport tools, crew, and materials between job sites across Florida.
- Tools & Equipment Insurance
Protects your tools from theft, damage, or loss—on-site, in storage, or in transit.
- Builder’s Risk Insurance
Covers construction materials and structures during active projects, including fire, storm, or vandalism damage.
- Professional Liability Insurance
Helps if you’re sued over code violations, design issues, or miscommunications on project specs.
Who We Cover in Florida
ACI insures a wide range of general and specialized contractors, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
If you work in Florida construction, we’ve got a policy built for your trade.
How Much Does Contractor Insurance Cost in Florida?
Contractor insurance costs in Florida depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:
Cost Factors
- Business Type
Commercial policies typically cost more than residential policies
- Number of Employees
More workers = higher risk and premiums
- Revenue & Payroll
Affects coverage limits and worker’s comp rates
- Deductible & Limits
Choose higher limits or lower deductibles for more protection
Tips for Florida Contractors
Drone Use: If you use drones for inspections, make sure your policy includes this—it’s not typically covered under general liability.
High-Risk Trades: Roofers and demo contractors often face higher premiums due to increased risk.
Want an exact number?
Florida Contractor Insurance Requirements
General Liability Insurance
Required for licensed contractors. Covers injury or property damage caused by your work.
Workers’ Compensation Insurance
Mandatory if you have one or more employees. Covers medical costs and wage loss from job-site injuries.
Commercial Auto Insurance
Legally required for vehicles used in your business. Covers damage, liability, and injury costs.
Regulations can vary based on trade and location. Let us help you stay compliant.
Get a Free Contractor Insurance Quote
in Florida
Get insured fast in Florida—no phone tag, no guesswork. We’ll walk you through your options and send a free, no-obligation quote tailored to your trade.