Florida requires licensed general and building contractors to carry $300,000 public/general liability and $50,000 property-damage coverage, plus workers’ compensation OR a filed exemption. All other contractor categories carry $100,000 liability and $25,000 property damage. These minimums come from the DBPR Construction Industry FAQ (Fla. Stat. 489.115(5)(a); Rule 61G4-15.003); always confirm current amounts before buying a policy.
Liability and property-damage coverage
Fla. Stat. 489.115(5) requires public liability and property-damage insurance, with proof furnished to the jurisdiction where work is performed. Per the DBPR Construction Industry FAQ (statutory/rule basis Fla. Stat. 489.115(5)(a); F.A.C. 61G4-15.003), general and building contractors must carry $300,000 public/general liability and $50,000 property damage; all other categories carry $100,000 liability and $25,000 property damage. These are coverage minimums, not premiums, and can change — verify the current minimums with the DBPR rather than relying on a figure from a vendor page.
Workers’ compensation
Florida requires workers’ compensation coverage OR a filed exemption with the Division of Workers’ Compensation under Fla. Stat. 489.114 and Chapter 440. Owners and officers with no employees typically take the exemption route; confirm your status with the DBPR and the Division of Workers’ Compensation, per the DBPR Construction Industry FAQ.
What it costs
Insurance is a carrier-quoted estimate, not a fixed state fee — premiums depend on your scope, payroll, claims history, and coverage limits. Factor a range into your overall budget on the Florida GC license cost breakdown.
Get a quote
Line up coverage early, because proof of insurance is part of your application file.
Related pages
Insurance is one of the Florida GC license requirements and a required item on the Florida GC license application. For the overview, return to the Florida general contractor license guide.
This page summarizes insurance requirements and is general information, not legal advice. Verify required coverage types and minimum amounts with the Florida DBPR before purchasing a policy.
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Florida general contractors need general-liability coverage, and workers’ compensation if they have employees. Compare quotes from providers that specialize in the trades.
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Last verified: 2026-06-19
Not affiliated with the Florida DBPR. This site is not affiliated with, endorsed by, or sponsored by the Florida Department of Business and Professional Regulation (DBPR) or the Construction Industry Licensing Board (CILB) — it is an independent informational guide. Always verify requirements, fees, and deadlines with the Florida DBPR/CILB.
Not legal advice. This is general information, not legal or professional advice, and does not create any advisory relationship. For your situation, consult a qualified professional.