Running a contracting business comes with significant responsibilities—and risks. Whether you’re a general contractor, plumber, electrician, HVAC contractor, roofer, painter, or remodeler, having the proper insurance coverage protects both your business and your reputation.
General Liability Insurance
General Liability Insurance protects your business against claims involving:
- Bodily injury
- Property damage
- Completed operations
- Legal defense costs
- Personal and advertising injury
Many clients require proof of General Liability Insurance before allowing work to begin.
Builders Risk Insurance
Builders Risk Insurance protects structures while they’re under construction or renovation. Coverage may include:
- Fire
- Theft of building materials’
- Wind damage
- Vandalism
- Certain weather-related losses
This coverage is essential for contractors working on residential or commercial construction projects.
Workers’ Compensation Insurance
If you have employees, Florida law may require Workers’ Compensation Insurance. This coverage helps pay for medical expenses and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Business vehicles should be insured under a commercial auto policy. Personal auto policies often do not provide adequate coverage for business use.
Additional Insureds and Certificates of Insurance
Many project owners require contractors to provide:
- Certificates of Insurance
- Additional Insured endorsements
- Waivers of Subrogation
- Primary & Non-Contributory wording
Having an experienced insurance agency ensures these documents are issued accurately and quickly so projects stay on schedule.
Protect Your Business with Confidence
At Network Insurance Center, we specialize in helping Florida contractors secure customized insurance solutions that satisfy contract requirements while protecting their businesses from unexpected losses.
Whether you’re starting a new business or reviewing your current insurance program, our experienced team can help you find the right coverage at competitive rates.
Contact Network Insurance Center today for a free commercial insurance consultation.
