Business insurance
General Contractor Insurance
GL, builder's risk, workers' comp and umbrella structured around your contracts, from an agency led by a former homebuilding executive.
Why it's different
Coverage built for how general contractors actually work
General contractors don't just buy insurance; they sign contracts that dictate it. Owners, lenders and developers spell out additional insured wording, waivers of subrogation, primary and non-contributory language and umbrella limits. We read those requirements first, then build a program that satisfies them without paying for coverage you don't need.
- Contract requirementsAdditional insured, waiver of subrogation and primary/non-contributory endorsements have to match the contract exactly, or certificates get rejected and draws get held.
- Subcontractor exposureUninsured or underinsured subs can land on your policy at audit. We help you set certificate requirements and track them.
- Workers' comp in FloridaFlorida construction businesses generally must carry workers' comp with even one employee. Corporate officers can apply for exemptions, within limits.
- Completed operationsClaims can arrive years after a project closes. Your GL needs completed-operations coverage that lasts.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
General liability
With the endorsements your contracts call for
Builder's risk
For the structure while it's under construction
Workers' compensation
Including officer exemptions where they fit
Commercial auto
Trucks, trailers and hired or non-owned vehicles
Inland marine
Tools and equipment on and off site
Umbrella / excess
The higher limits larger jobs require
FAQ
General Contractors insurance questions
What insurance do general contractors need in Florida?
Most need general liability, workers' compensation, commercial auto and, for projects they're responsible for, builder's risk. Many contracts also require umbrella limits and specific endorsements.
Can you match the certificate requirements in my contract?
Yes. Send us the insurance section of the contract and we'll confirm each endorsement before we bind, so your certificates are accepted the first time.
Free, no-obligation review
Get a General Contractors insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.