GL · Contractors
General Liability built for Florida contractors.
From a single-truck trade to a growing crew, contractors need GL that satisfies general contractors, landlords, and permit offices. Start a quote online and a licensed agent will follow up shortly.
What's covered
Coverage that meets job-site requirements
The protections GCs and clients most often ask trades to carry.
Third-party bodily injury
Someone is hurt on your job site or by your work.
Third-party property damage
You damage a client's property while working.
Products & completed operations
Claims that surface after the job wraps up.
Additional insured endorsements
Name the GC or property owner as required by contract.
Waiver of subrogation
Often required language on commercial contracts.
Certificates of Insurance
We'll issue a COI quickly once coverage is bound so you can start the job.
Why contractors choose us
Don't lose a job over paperwork.
Certificates when you need them
Win the bid, then we'll issue the certificate the GC needs — typically the same business day once coverage is bound.
We speak contract language
Additional insured, primary & non-contributory, waiver of subrogation — we set it up right the first time.
Grows with your crew
Add workers' comp or a BOP as you scale, all coordinated through one agent.
FAQ
Contractor insurance questions
Do Florida contractors need General Liability insurance?
Most general contractors, property owners, and permit offices require it before you can start work. Even when it's not legally mandated for your license type, you'll rarely win commercial work without it.
Can you add my general contractor as an additional insured?
Yes. We routinely issue additional insured endorsements and the primary & non-contributory / waiver of subrogation language commercial contracts require. Send us the contract requirements and we'll match them.
Do I also need workers' compensation?
In Florida, construction businesses generally need workers' comp with even one employee. We can place GL and workers' comp together so you're fully compliant on the job site.
How much does contractor GL cost?
It varies by trade, payroll, revenue, and limits — roofing and structural trades run higher than finish work, for example. Run a quick quote to see your number.
Get your contractor GL today.
Start a quote online or tell us your trade — a licensed agent will follow up shortly.