Core coverages in this program
- •General Liability (per-project and blanket additional insured)
- •Workers' Compensation
- •Commercial Auto & Hired/Non-Owned Auto
- •Inland Marine (tools, equipment, installation floater)
- •Builders Risk
- •Commercial Umbrella / Excess Liability
- •Contractor License & Surety Bonds
Florida requirements for contractor businesses
The Florida DBPR licenses certified and registered contractors through the CILB. Certified licensees must show general liability and property damage minimums ($100K/$25K for general and building contractors, lower for specialty trades) plus workers' compensation or a valid exemption filed with the Division of Workers' Compensation. Construction hits the comp requirement at the very first employee.
Workers' compensation in Florida
Florida requires workers' compensation at one employee for construction, four employees for most non-construction businesses, and one employee for agricultural operations with a seasonal threshold. Rates are developed through NCCI, with rates filed through the Florida Office of Insurance Regulation, and contractor payroll typically rates at $4 to $28 per $100 of payroll depending on trade — roofing, framing, and excavation sit at the top of that range. Named-storm deductibles, roof-age underwriting, and Citizens/E&S property placements dominate Florida property pricing. Liability is usually easy to place; property is where the program gets structured.
What Florida operators actually pay in 2026
The ranges below reflect what KTL clients in Florida pay today for a small-to-midsize operation, adjusted for Florida rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical FL annual cost |
|---|---|---|
| General Liability | $1M/$2M limits, small trade contractor | $1,200 – $4,200 |
| Tools & Equipment | Inland marine, $25K–$100K schedule | $450 – $1,600 |
| Commercial Auto | Per truck or van | $1,600 – $3,400 |
| Umbrella | $1M excess over GL and auto | $900 – $2,600 |
| Builders Risk | Per project, course of construction | $1,100 – $5,500 |
The Florida angle most brokers miss
Florida's construction comp trigger at one employee, combined with the exemption filing system, is the most audited area in the state. We verify every sub's exemption or certificate before your audit does.
Exposures we underwrite for Florida accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Third-party bodily injury on active job sites
- •Uninsured subcontractors landing on your comp audit
- •Tool and equipment theft from trucks and trailers
- •Faulty-workmanship and completed-operations claims
- •GC contracts demanding limits above your current policy
Where we write in Florida
We serve Florida clients remotely by phone, email, and video — no office visit required — with concentrations in Miami–Dade, Broward, Orlando, Tampa Bay, Jacksonville, Fort Myers. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.