Insurance Requirements for your General Contractors License in Florida

general contractors license floridaWhen applying for a General Contractors License in Florida, most people only focus on the exam portion of the requirements. While the exam is a huge portion of earning your Florida contractors license, it is not the only requirement. At Contractors Reporting Services, we help our clients obtain and maintain their Florida General Contractors License. In our years of helping contractors pursue their career dreams, we have noticed a pattern of contractors not realizing that there are insurance requirements that must be met before earning a general contractors license.

In order to receive your general contractors license in the state of Florida, you must carry a minimum general liability insurance of $300,000 for bodily injury and $50,000 for property damage.

Part of our services at Contractors Reporting Services is to educate our clients on how to successfully operate a general contractors business. Therefore, we would like to take the time to educate each client on what it means to carry general liability insurance and why it is important for earning and keeping your general contractors license and your reputation in Florida.

Here’s a definition of general liability insurance from Progressive:

As a contractor or small business owner, you need some form of general liability insurance to safeguard your livelihood. A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough general liability insurance.

If you’re a contractor, we understand you might only need general liability insurance – not a BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks in your job.

So, remember – in order to earn your general contractors license in Florida, you must carry the required insurance at all times. If you need any help or have any questions about obtaining your contractors license in Florida, give us a call.


Contractors Reporting Services
13795 N Nebraska Ave
Tampa, FL 33613