Core coverages in this program
- •General Liability with completed operations
- •Workers' Compensation
- •Commercial Auto (service vans and trucks)
- •Inland Marine (tools, recovery machines, jetters)
- •Installation Floater & Equipment Breakdown
- •Commercial Umbrella
Florida requirements for hvac & plumbing businesses
Florida plumbing and mechanical contractors are licensed through the DBPR CILB as certified (statewide) or registered (local) contractors, with general liability and property damage minimums filed with the board and workers' compensation required at the first construction 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 hvac & plumbing payroll typically rates at $3.50 to $10 per $100 of payroll for plumbing and HVAC class codes, with rooftop and new-construction work at the higher end. 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, service and replacement work | $1,300 – $4,300 |
| Tools & Equipment | Recovery units, cameras, jetters | $500 – $1,800 |
| Commercial Auto | Per service van | $1,700 – $3,600 |
| Installation Floater | Rooftop units and materials on site | $450 – $1,800 |
| Umbrella | $1M–$5M excess | $950 – $3,000 |
The Florida angle most brokers miss
Florida rooftop unit replacements sit in the wind-exposure conversation. Installation floaters with named-storm terms matter between delivery and final tie-down.
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.
- •Water damage from a failed connection in an occupied building
- •Carbon monoxide and combustion-related liability claims
- •Rooftop falls and heavy-equipment rigging injuries
- •Refrigerant handling and EPA 608 compliance issues
- •Callbacks and completed-operations claims on installed systems
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.