How fast can I get a Certificate of Insurance (COI) for a Florida contractor?

Our licensed agents can issue same-day General Liability certificates for most Florida contractors. Call (435) 612-1009 now — most COIs are ready within 1–2 hours.

How much does contractor general liability insurance cost in Florida?

Florida contractor GL typically runs $400–$1,200/year for handymen and landscapers, $800–$2,500 for HVAC and electricians, and $1,500–$4,000+ for roofers.

Do I need workers comp if I'm a solo contractor in Florida?

Florida has specific exemptions for sole proprietors and certain LLC members in construction. However, if you hire even one subcontractor, workers comp may be required.

Same-Day COI Available

Florida Contractor General Liability —
Get Your COI Before the Job Starts

Don't lose the job because you don't have a Certificate of Insurance. Our agents issue same-day GL coverage for Florida roofers, HVAC techs, electricians, landscapers, and handymen.

Mon–Fri 9am–9pm · Sat 12pm–5pm EST

What Florida Contractors Need to Know

What does General Liability cover?

GL protects you if a third party (homeowner, property owner, bystander) is injured or their property is damaged because of your work. It covers legal defense costs and settlements. Without it, one lawsuit can wipe out your business.

Why do I need a COI specifically?

A Certificate of Insurance is a document that proves you have coverage. General contractors, property managers, and homeowners require it before you step on site. It lists your carrier, policy limits, and effective dates.

What limits do I need in Florida?

Most Florida general contractors require $1M per occurrence / $2M aggregate. Some commercial jobs require higher limits. Our agents can match your coverage to the specific requirements of your job.

What about Workers' Comp?

Florida has specific exemptions for sole proprietors and LLC members in construction trades. However, if you hire subcontractors, you may be required to carry workers' comp or verify theirs. This is a common audit trap — call us to clarify.

Typical Costs by Trade

Roofers

$1,500–$4,000/yr

High-risk trade; impact-resistant roofing discounts available

HVAC Technicians

$800–$2,000/yr

Refrigerant handling adds risk; proper classification matters

Electricians

$900–$2,200/yr

Residential vs. commercial rates differ significantly

Landscapers

$400–$900/yr

One of the most affordable trades to insure in Florida

Handymen

$500–$1,200/yr

Scope of work matters — some tasks require a contractor license

Plumbers

$1,000–$2,500/yr

Water damage liability is the key risk factor

Need a COI Today?

Don't lose the job. Call now and our agents will get your certificate issued same-day.

Florida Contractor General Liability —Get Your COI Before the Job Starts