Contractors Insurance

Real Protection for Florida’s Contractors & Trades

Winning jobs and running projects in Florida means meeting strict insurance requirements, managing subcontractors, and staying ready for surprise inspections. LIG Specialty Insurance specializes in relationship-based, consultative service for contractors—no call centers, no cookie-cutter policies.


Our team knows Florida’s licensing rules, local contract language, and what it takes to keep builders, electricians, plumbers, HVAC, and specialty trades moving forward—protected and compliant from the first bid to the final invoice.

Red car with severe damage to the rear, loaded on a tow truck.
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What Does Contractors Insurance Cover?

General Liability Insurance

Essential for jobsite risks, injuries, and property damage. Florida contractors must often show proof of GL with state-required minimums to get or keep a license.

Workers’ Compensation

Required for nearly all contractors in Florida, protecting your employees and satisfying both state law and jobsite compliance.

Commercial Auto & Fleet Insurance

For trucks, vans, and fleets—protects your crew, tools, and reputation. Commercial auto is required for all business-titled vehicles and often for contract compliance.

Surety Bonds

For licensing, project guarantees, and client trust. We help you quickly secure the right bond for each project or license type.

Contractor Equipment Coverage

Insures your tools and equipment on-site, in transit, or in storage—minimizing disruption if the unexpected happens.

Umbrella/Excess Liability

For contracts or clients that require higher insurance limits, or when you want extra peace of mind against Florida’s frequent lawsuits.

Every policy package is custom-built for your trade, license, and contract needs—never just a form letter.

Red car with severe damage to the rear, loaded on a tow truck.

Who Needs Contractors Insurance?

Contractors insurance is crucial for:


  • Licensed trades and subcontractors (builders, electricians, plumbers, HVAC, roofers, more)
  • General contractors managing teams and subs
  • Small firms bidding on commercial, municipal, or government jobs
  • Contractors with fleets or specialized equipment
  • Any business required to show proof of insurance to pull permits, sign contracts, or pass inspections


In Florida, even small specialty trades must often show insurance for state/county licenses. LIG helps you know exactly what to provide—so you never lose a job over paperwork.

Florida-Specific Considerations

  • State & Local License Mandates: Many trades must show proof of GL and workers’ comp with minimum limits set by Florida law or local building departments.
  • Contract Language & Certificates: Fast, accurate COIs (certificates of insurance) are vital—LIG issues them directly, no third-party delays.
  • Fleet & Equipment Risks: Florida’s storms, theft rates, and dense jobsite environments make robust property and fleet coverage critical.
  • High Lawsuit Risk: Florida’s litigation climate means even routine jobs can lead to costly claims—adequate coverage and umbrella policies help keep you in business.


We consult on your business, your bids, and your exposures to keep you ready for anything.

Contractors Insurance vs. Standard Business Insurance

  • Specialization: Contractor packages are built for real jobsite risks, not just office exposures.
  • Contract Compliance: Meets state, municipal, and prime contractor requirements for insurance, bonds, and safety.
  • Relationship-Driven Service: Your LIG advisor understands your history, bids, and local inspector quirks—you never explain your business twice.
Red car with severe damage to the rear, loaded on a tow truck.

Frequently Asked Questions – Contractors Insurance

  • What coverages are required to get or renew my contractor license in Florida?

    Most need general liability and workers’ comp; some also require surety bonds or specific limits for commercial auto. We help you navigate your trade’s exact rules.

  • Can LIG Specialty issue certificates and bonds quickly for jobs or bids?

    Yes. We issue COIs and bonds directly—often the same day—to help you win and start jobs faster.

  • What trades or contractors do you specialize in?

    We work with builders, specialty trades, electricians, plumbers, HVAC, roofers, and more—especially those with large contracts or fleet exposure.

  • What makes LIG different from other agencies?

    Relationship-based service, deep contractor expertise, and fast, local support—no call centers, no runaround.

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Get a Quote—Built for Your Next Project

Let’s review your licenses, contracts, and business exposures together. With LIG Specialty Insurance, you’ll always get straight answers and personal service from a team that understands your trade.