In Florida’s construction industry, a handshake is not enough. Property owners, general contractors, and commercial clients require proof of general liability insurance before you set foot on a job site — and for good reason. One accident, one property damage claim, or one allegation that your work caused harm can cost far more than any single project is worth. Contractors GL is the coverage that keeps you on the job and out of court.
What Does Contractors General Liability Insurance Cover?
- Bodily injury to property owners, visitors, and bystanders caused by your operations
- Property damage to the client’s structure or neighboring buildings during the job
- Products and completed operations for damage discovered after the job is finished
- Personal and advertising injury — libel, slander, and copyright claims
- Medical payments for minor injuries on the job site, regardless of fault
- Damage to rented premises — property you are responsible for during work
- Additional insured endorsements for property owners and GCs who require it
- Subcontractor coverage for work performed by subs you hire and supervise
Your License Is at Risk Without the Right Coverage
The Florida DBPR requires active general liability insurance as a condition of your contractor’s license. Let your coverage lapse and you risk losing your license — even if you never file a claim. Most general contractors and property owners run COI checks before every project. A lapsed or insufficient policy means lost contracts and lost income.
What Is the Difference Between Contractors GL and Builders Risk?
Contractors GL protects third parties — people and property affected by your work. Builders risk protects the project itself during construction. Both are often required on larger commercial projects and they work together without overlapping. For residential contractors doing remodels and new builds in Central Florida, the combination of GL and completed operations coverage is typically the minimum needed to qualify for HOA and commercial client contracts.
Get Contractors General Liability Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Contractors GL options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.