Contractors Insurance
Built for the Trades
From solo owner-operators to multi-crew contractors, we protect your business — not just give you a quote. GL, workers' comp, tools, vehicles, and the personal protection your family depends on. Built for your trade. Built for Florida.
Built for real contractors — because one claim shouldn't shut your business down.
We cover your liability, workers, tools, and job sites — so you can stay focused on the work, not the risk.
1 Employee
Triggers FL Workers' Comp in Construction
$1M+
Average Injury Lawsuit Award in FL
40%
Of Tool Thefts Go Unreported
60%
Of Small Contractors Have No E&O Coverage
Every Coverage Your Trade Needs
We build complete programs — not just a GL policy. Here's what protects you at every level.
We structure your coverage so one claim doesn't shut your business down.
General Liability
Covers bodily injury and property damage claims arising from your operations, products, or completed work. Most clients and GCs require a certificate of insurance before you can set foot on a job site.
- Third-party bodily injury
- Property damage to client sites
- Completed operations coverage
- Products liability
- Personal & advertising injury
Workers' Compensation
Florida law requires workers' comp for any construction business with even one employee. Covers medical bills, lost wages, and rehabilitation for on-the-job injuries — and protects you from employee lawsuits.
- Medical treatment for injured workers
- Partial wage replacement (66.67%)
- Vocational rehabilitation
- Employer's liability protection
- Death benefits for surviving family
Tools & Equipment
Your tools are your livelihood. This coverage protects them from theft, damage, and loss — whether they're on the job site, in your truck, or in storage overnight.
- Theft from job sites & vehicles
- Accidental damage coverage
- Equipment in transit
- Rental equipment coverage
- No deductible options available
Commercial Auto
Covers trucks, vans, trailers, and vehicles used for your contracting business. Includes liability if you cause an accident and physical damage to your own vehicles.
- Liability for at-fault accidents
- Collision & comprehensive
- Hired & non-owned auto
- Tool & equipment in vehicles
- Fleet discounts for 3+ units
Builder's Risk
Protects buildings and structures currently under construction from fire, theft, vandalism, weather, and other losses. Required on most commercial projects and strongly recommended on residential.
- Structure under construction
- Materials on site or in transit
- Temporary structures
- Equipment breakdown
- Coverage scales with project value
Contractor's E&O
Errors & Omissions insurance protects you when a client claims your work caused financial harm — even when you did everything right. Essential for design-build contractors, engineers, and licensed tradespeople.
- Claims of faulty workmanship
- Design errors and omissions
- Failure to complete on time
- Cost overrun disputes
- Defense costs included
How Florida Contractors Use Their Coverage
Business protection and family peace of mind — both matter when you work with your hands.
Carlos M.
Solo Electrician — Manatee County, FL
The Situation
Carlos is a licensed electrician working solo — residential rewires, panel upgrades, and new construction sub contracts. A GC he wanted to work with required a $1M GL certificate to even get on site.
The Coverage
We set him up with a $1M/$2M GL policy, tools coverage for $18K of equipment, and commercial auto for his van. Certificate issued same day — he was on the job the next morning.
The Personal Side
Carlos has a wife and two kids in Bradenton. If he gets hurt on a job with no workers' comp (he's a sole proprietor), there's no income. We added an occupational accident policy — $3,000/month if he can't work.
The Retirement Layer
Carlos has no employer 401k. We connected him with an IUL that acts as his retirement account — tax-deferred growth, $500K death benefit, and the ability to pull cash out tax-free later.
The Personal Side Nobody Talks About
Contractors don't have HR departments. No 401k match. No group disability. No employer life insurance. If you get hurt on a job and can't work, your family feels it immediately. The right coverage strategy means your spouse doesn't have to sell the house if something happens to you. We help Florida contractors build that protection layer — business insurance and personal protection together.
We Know Your Trade.
We Know Your Risks.
Every trade has different exposures. An electrician's risks aren't the same as a roofer's. We specialize in trade-specific contractor coverage — not generic policies.
General Contractors
Full coverage programs for GCs managing residential and commercial builds.
Electricians
GL and E&O tailored for licensed electrical contractors across all trade levels.
Plumbers
Specialized coverage including water damage liability for plumbing operations.
HVAC Technicians
Coverage for Florida's demanding heating, cooling, and ventilation contractors.
Roofers
High-risk roofing coverage including completed operations and wind/hail exposure.
Landscapers
Liability and equipment coverage for landscaping and irrigation companies.
Painters
Interior and exterior painting contractor coverage including completed work claims.
Flooring & Tile
Coverage for installation contractors handling hardwood, tile, and specialty flooring.
Masonry & Concrete
Heavy trade coverage for masonry, block, stucco, and concrete contractors.
Why Florida Contractors
Choose Us
Florida License & Compliance
We know Florida's contractor insurance requirements cold — workers' comp thresholds, license bond requirements, and what GCs actually need to see on a certificate.
Same-Day Certificates
Need a COI to start a job tomorrow? We issue same-day certificates of insurance for active policies. No waiting, no lost work.
Independent — We Shop For You
We compare rates across 25+ carriers. Not just one company's rates — we find the best price for your specific trade, payroll, and claims history.
Claims Support
When a claim happens, we're in your corner — not the insurance company's. We help you document, file, and advocate for the fastest and fairest outcome.
Solo to Full Crew
Whether you're a sole proprietor just getting licensed or a 50-person crew, we build programs that fit your size and scale as you grow.
Personal + Business
We don't just cover the business. We help contractors think about their family protection too — life insurance, disability income, and retirement, since most contractors have no employer benefits.
Get Your Contractors
Coverage Quote Today
Tell us your trade and we'll build a custom coverage program — GL, workers' comp, tools, and vehicles — at the best price from 30+ A-rated carriers. Certificates issued same day.
Contractors Insurance Quote
Tell us about your operation and we'll get you covered fast.