Contractor Insurance

Contractor Insurance in Florida

Construction projects move fast and risks pile up just as quickly. Gateway Insurance Associates builds commercial insurance packages for general contractors, subcontractors, and specialty trades — matched to your actual operations, your job sites, and the contracts you sign.

Florida general contractor and foreman in hard hats reviewing plans at commercial construction jobsite

Coverage Built for Contractors & Trades

  • General Liability Insurance — Protection against third-party bodily injury and property damage on the jobsite.
  • Workers’ Compensation — Required for Florida contractors; covers employee injuries from falls, lifts, and equipment incidents.
  • Builders Risk Insurance — Project-specific coverage for the structure under construction, materials, and supplies.
  • Commercial Auto Insurance — Trucks, vans, and trailers used to move crews and equipment between jobsites.
  • Surety Bonds — Bid bonds, performance bonds, and payment bonds for public and private projects.
  • Tools & Equipment (Inland Marine) — Mobile equipment and tool coverage for items in transit or stored offsite.
  • Commercial Umbrella / Excess Liability — Extra liability limits for high-value contracts and catastrophic claims.

Why Work With an Independent Agency?

Generic small-business policies don’t account for the realities of construction — subcontractor risk, project-specific bond requirements, and the differences between trades. Gateway Insurance Associates is independent, which means we shop multiple carriers to build a contractor insurance program that matches your job mix, your subs, and the bonding requirements coming out of every contract you sign.

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