Builders Risk

• Structure under construction, installed materials, and temporary works (scaffolding, formwork, shoring)
• Materials stored on-site, in transit, or at fabrication yards
• Fire, theft, vandalism, wind, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delay
• Limit set to completed project value - not partial value at time of loss
• Coverage extended through Florida building department inspection and certificate of occupancy

Florida's diverse geography adds unique risks, including theft and vandalism exposure on urban job sites. Set limits at completed value and carry theft sublimits appropriate for the material staging typical of large projects.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations - covers post-completion claims for years after project handover
• Personal and advertising injury
• Additional Insured endorsements for owners, developers, and municipalities
• Primary & Noncontributory wording for all required AIs
• Per-project aggregate for large or multi-site Florida contracts
• Waiver of Subrogation as required by contract

Florida public-sector construction contracts often require substantial GL limits with a full suite of contractor endorsements. We review your contract insurance requirements before binding to ensure compliance.

Workers' Compensation & Employers Liability

• Required by Florida law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on job sites
• Covers falls from height, struck-by incidents, excavation accidents, and tool/equipment injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility where the project owner controls the WC program
• Prevailing wage compliance documentation often required on public projects

Construction is one of Florida's highest-injury industries. Accurate payroll classification by trade is critical to avoid audit adjustments and potential penalties.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on Florida highways and city streets
• Physical damage (collision and comprehensive) for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' personal vehicles used on firm business
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

Large commercial fleets operating in Florida's urban areas face above-average accident frequency. Ensure your driver list is current and MVRs are reviewed before each policy year.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, bulldozers, and aerial work platforms
• Compressors, generators, welding equipment, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is among the most stolen property in the U.S. Florida's active job sites require both equipment coverage and documented security protocols to satisfy underwriter requirements.

Surety Bonds

• Bid Bond: guarantees you'll honor your bid and execute the contract if awarded
• Performance Bond: guarantees project completion per contract terms
• Payment Bond: guarantees subcontractors and suppliers will be paid
• Required on all public contracts in Florida
• Increasingly required on large private commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Florida public contracts consistently require performance and payment bonds. We arrange bonds alongside your insurance program through surety markets that understand the Florida construction sector.

Commercial Umbrella / Excess Liability

• Adds $5M-$25M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying limit is exhausted
• Required by most large commercial developers and public entities in Florida
• Can be structured to follow-form over GL and Auto in a single tower

A serious construction accident can generate a claim that exceeds a $2M GL limit. Commercial builders working on large-scale Florida projects should carry at least $10M-$25M total liability through a combination of primary GL and umbrella/excess layers.

Professional Liability (Design-Build E&O)

• Covers errors in design services provided by or coordinated by the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects that manifest post-completion
• Claims-made form - retroactive date protection critical when switching carriers

Florida's growing design-build project pipeline means more GCs are taking on design responsibility. Standard GL does not cover professional errors; a separate Design-Build E&O policy is required when the GC holds design obligations under the contract.

Florida Contractor Licensing

Florida requires contractors to be licensed through the Department of Business and Professional Regulation (DBPR). Contractors bidding on public projects must also provide proof of insurance and meet specific bonding requirements. We assist in ensuring compliance with all necessary documentation.

Public Project Bonding & Prevailing Wage

Florida's public construction contracts often require performance and payment bonds. Additionally, compliance with Florida's prevailing wage laws is essential, and certified payroll records must be maintained and submitted. Non-compliance can lead to severe penalties.

Building Permits & Inspections

All commercial construction in Florida requires permits from local building departments. Insurance certificates naming the municipality as Additional Insured are frequently required as a condition of permit issuance, and COIs must remain current throughout the project duration.

OSHA Job Site Safety

Federal OSHA construction standards apply to all Florida commercial job sites. Compliance with safety regulations is critical, and job site audits can affect your insurance eligibility and premium at renewal.