Contractor Insurance in Florida

Contractor insurance in Florida has to keep up with how fast construction moves and how quickly risks pile up. Gateway Insurance Associates builds commercial contractor insurance packages for general contractors, subcontractors, and specialty trades, matched to your actual operations, your job sites, and the contracts you sign.

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.

Frequently Asked Questions

What insurance do contractors in Florida need?

General contractors and subcontractors typically carry general liability, workers compensation, commercial auto, and builders risk on active projects. Many jobs and general contractors also require surety bonds before you can start work.

Why do general contractors require me to carry insurance?

GCs and property owners require proof of general liability and workers compensation to protect themselves from claims tied to your work. We issue certificates of insurance quickly so you are not held up on a job start.

What is builders risk insurance?

Builders risk covers a structure while it is under construction, including materials and equipment on site, against fire, theft, wind, and other covered losses. It is separate from your general liability and is usually written per project.