General Liability
Covers third-party injuries and property damage on the job — the policy GCs and clients require before you can start work.
Coverage for Florida contractors & construction businesses
Contractors carry risk no office-based business ever sees — crews on ladders and roofs, expensive tools moving between sites, work trucks on I-75 at 6 a.m., and general contractors who won't let you on the job without a certificate of insurance in hand. Coverage Insurance Agency builds construction programs for trades across Miami Lakes, Hialeah, Doral, and all of Miami-Dade County: general liability, workers compensation, commercial auto, and tools and equipment coverage, coordinated under one local advisor. Whether you're a one-truck sub or a growing GC, we know the carriers that want construction risk in South Florida — and we issue the COIs that keep your jobs moving. Explore our commercial insurance hub for the full lineup of business coverages.
What Contractors Need
Construction exposure is different, so the policies are different. We assemble the lines that matter for your trade and your contracts — nothing you don't need, and nothing missing when a GC or property owner asks for proof.
Why Coverage
Serving Miami Lakes, Hialeah, Doral, Miami Gardens & all of Miami-Dade County.
We work with contractors across Miami-Dade every day, so we know which carriers write roofers, framers, electricians, plumbers, and GCs at fair terms — and which ones quietly walk away after one claim. Because we're independent, we shop multiple A-rated markets against your trade, payroll, and revenue instead of forcing you into a single product. We turn around certificates of insurance and additional-insured endorsements fast, so a paperwork gap never costs you a start date. And we help you navigate Florida's construction workers-comp rules — including when an exemption makes sense and when a policy is the smarter call.
Get a Free QuoteCore Contractor Coverages
Every trade is different, but these are the lines that show up on almost every construction program we write. We quote each on its own or coordinate them as one package.
Covers third-party injuries and property damage on the job — the policy GCs and clients require before you can start work.
Pays medical care and lost wages for injured crew. Florida's construction industry triggers the requirement at just one employee.
Insures the work trucks and vans that move your crew, materials, and equipment — with limits a personal policy won't match.
Inland marine coverage for your tools and equipment against theft or damage — at the shop, in transit, or out on the job site.
Common Questions
Most carry general liability — which clients and GCs almost always require — plus workers comp, commercial auto for work trucks, and tools and equipment coverage (inland marine). Depending on your trade and projects, you may also need a surety bond. We build the program around the work you actually do.
Florida holds construction to a stricter standard: businesses generally must carry workers comp once they have one or more employees, and even sole proprietors, officers, and members in construction must either carry it or file a state exemption. Non-construction businesses only trigger it at four employees. We help you sort out exemptions.
A COI is one-page proof of your active coverage that GCs and property owners require before you start a job, often naming them as an additional insured. It confirms you carry the limits the contract calls for. We issue COIs and additional-insured endorsements quickly, so jobs aren't delayed.
It varies by trade, payroll, annual revenue, and claims history — a roofer pays very differently from a handyman or low-voltage installer. Because we're independent, we shop multiple A-rated carriers to fit your budget. Get a quote and we'll give you real numbers.
Related Coverage
Most construction businesses run several policies at once. We coordinate them in one conversation — see also our commercial insurance hub.
General liability and Business Owner's Policy packages for your operation — see commercial business insurance.
Florida workers comp for your crew, with help on construction exemptions — see workers compensation insurance.
Coverage for the trucks and vans your crew drives every day — see commercial auto insurance.