One Job.
One Mistake.
One Claim.
In this business, things don't go wrong slowly.
A ladder slips. A pipe bursts. A jobsite gets damaged.
And now you're dealing with a claim, not just a project.
Built for Florida Contractors — Your risk isn't theoretical. It's daily.
General Contractor
Managing entire projects and subcontractor exposure
Electrician
High-voltage work, fire risk, code compliance
Plumber
Water damage, pipe failures, property risk
HVAC Tech
Refrigerant systems, electrical, rooftop access
Roofer
Fall risk, storm damage exposure, completed work failures
Real Risks Contractors Face Every Day
Construction is one of the highest-risk industries in the country. According to OSHA and the Bureau of Labor Statistics, construction consistently ranks among the highest industries for workplace injuries.
These aren't rare events — they're part of the business.
Property damage during active jobs
Water lines, structural damage, and accidental destruction of existing property are daily realities on any active jobsite.
Injury to workers or third parties
Falls, cuts, electrical injuries, and equipment accidents — construction ranks #1 in fatal workplace injuries nationally.
Work that fails after completion
Latent defects discovered weeks or months after close can trigger claims that follow you for years without completed ops coverage.
Equipment theft from jobsites
Tools and equipment theft is rampant in Florida. An unguarded site overnight can mean $10,000–$50,000 in losses.
Vehicle-related accidents
Per NHTSA data, work vehicle accidents represent a massive liability exposure that personal auto will not cover.
Roofing consistently ranks among the highest-risk trades in Florida — and one of the most common sources of completed-operations claims after storm season.
These Happen Every Day
These aren't "what if" situations. Vehicle-related risks alone represent a massive daily exposure.
A contractor hits a water line during a job
$38K+Flooding damages finished floors, drywall, and the homeowner's contents. Restoration bill: $38,000. Without GL coverage, that's out of pocket.
A visitor gets injured on an active jobsite
$65K+A homeowner steps on a nail, fractures their foot, and files a personal injury claim. Medical bills plus legal fees: $65,000+.
Completed work fails weeks after project close
$22K+An improperly sealed roof causes water intrusion three weeks after the job ends. Completed operations coverage handles the $22K repair claim.
Tools stolen overnight from a jobsite
$14K+A full set of power tools, a compressor, and a generator disappear from an unsecured site overnight. Replacement cost: $14,000.
Work truck accident on the way to a job
$75K+At-fault rear-end collision in a vehicle used for business. Personal auto carrier denies the claim. Liability exposure: $75,000+.
One incident can turn into thousands — or more. Without the right coverage, a single claim can wipe out months of profit.
Jobs don't fail
politely.
One mistake can shut a project down
One claim can wipe out months of profit
One lawsuit can follow you for years
That's the difference between staying in business… or not.
Built Around How You Actually Work
Not a generic policy. Coverage structured for your trade, your crew, and your risk. Learn about commercial liability →
General Liability
Covers third-party bodily injury and property damage claims arising from your contracting operations. Most job contracts and permit applications require it.
- Third-party bodily injury
- Property damage during active jobs
- Completed operations coverage
- Personal and advertising injury
- Legal defense costs
Workers' Compensation
Florida requires workers' comp for most contractors with even one employee. It covers medical bills and lost wages for injured workers — and protects you from lawsuits from your own crew.
- Medical expenses for injured workers
- Lost wage replacement
- Employer liability protection
- Required for most FL contractors
- Covers temp and seasonal labor
Tools & Equipment
Your tools are how you make money — and theft from jobsites and trucks is rampant in Florida. This covers your equipment on-site, in transit, and at temporary storage.
- Theft from jobsite or vehicle
- Damage during transit
- Equipment breakdown
- Leased and rented tools
- Inland marine scheduling for high-value items
Commercial Auto
Personal auto policies exclude business use. If your work truck is in an accident on the way to a job, your personal carrier will deny the claim. Commercial auto fills that gap.
- Business-use vehicle coverage
- Hired and non-owned auto
- Cargo and equipment in transit
- Fleet coverage for multiple vehicles
- Florida no-fault compliance
Completed Operations
Covers claims arising from your work after a job is finished. A faulty installation, a missed connection, or a structural issue discovered months later — this is what protects you.
- Post-completion property damage
- Latent defect claims
- Standard on most GL policies
- Critical for roofers & plumbers
- Extends protection beyond project close
Umbrella / Excess Liability
When your GL limits aren't enough for large commercial contracts, umbrella coverage stacks on top. Many GCs require $1M–$5M in umbrella from subcontractors.
- Sits above GL and auto limits
- Required by many GC contracts
- Covers catastrophic injury claims
- Protects personal assets
- Affordable per $1M of coverage
Operating in Florida Adds
Another Layer of Risk
You need coverage that matches Florida risk — not a generic policy designed for a contractor in Ohio. Florida contractor licensing requirements →
Storm-Related Project Delays & Damage
Active jobs get hit by sudden storms. Partially completed roofs, open framing, and exposed materials face hurricane and afternoon-storm risk from June through November. Your policy needs to cover work in progress.
Strict Florida Building Codes & Inspections
Florida's building codes — especially post-Andrew and post-Irma revisions — are among the strictest in the nation. A failed inspection that requires rework creates completed-operations liability exposure before the original job is even done.
High-Litigation Environment
Florida consistently ranks among the top states for construction litigation. Slip-and-fall, subcontractor disputes, property damage claims — the legal environment here makes adequate liability limits non-negotiable.
Licensing & Compliance Requirements
Florida requires specific licensing for general contractors, electricians, plumbers, HVAC techs, and roofers. Unlicensed contracting creates additional legal exposure that can void insurance coverage entirely.
They Don't Just "Get a Policy"
Small policies don't protect big jobs. Here's how Florida's best contractors manage their coverage.
Review Coverage Annually
Your risk changes as your business grows. A policy that fit a $200K/year contractor won't protect a $2M/year operation. Annual reviews catch gaps before claims do.
Increase Limits as Jobs Get Bigger
Many contractors win larger commercial contracts without realizing their current GL limits — often $500K or $1M — won't satisfy the contract requirements.
Add Umbrella Protection for Larger Exposure
A $1M umbrella policy typically costs $500–$800/year. It stacks on top of your GL and commercial auto — making you eligible for larger contracts and protecting personal assets.
Keep Certificates Current for Every GC
General contractors require up-to-date certificates of insurance before every project. Same-day cert issuance means you never hold up a job start.
The Bottom Line
Most contractors who get hit with a major claim had insurance. The problem was their coverage wasn't structured for the job they were on. At Bulls Insurance, we build policies that match your actual work — not a generic template.
View Our Contractor Coverage →Don't Wait Until Something
Goes Wrong on the Jobsite
Bulls Insurance Group builds contractor coverage for Florida tradespeople who can't afford gaps. We know what GCs require, what your trade risks look like, and how to structure a policy that actually protects you.
- Get coverage built for your trade — not a generic policy
- Protect your work, your business, and your future
- Same-day certificates of insurance for any job
- Serving Bradenton, Sarasota, and all of SW Florida
Official References
Related Coverage for Florida Contractors
Ready to Protect Your Business?
Talk to a specialist who understands Florida contractor risk, trade-specific exposure, and how to build coverage that actually holds up when something goes wrong.
Bulls Insurance Group LLC · Bradenton, FL · FL Lic. W368798 · Serving Manatee & Sarasota Counties