Contractors liability, quoted against the contract you were handed
Most contractors go looking for this because a general contractor, a municipality or a homeowner will not let them start without a certificate. Read that requirement first: it, not the policy, is what a quote has to satisfy.
Sa sa touche
- Bodily injury and property damage arising from your work
- Products and completed operations, which follow you after the job is signed off
- Additional insured status for the parties your contract names
- Primary and non-contributory wording, and waiver of subrogation, where required
- Tools and equipment, on an inland marine form rather than under liability
What a certificate proves, and what it does not
A certificate of insurance is evidence, not coverage. It shows limits on a date; it does not add anyone to your policy. Additional insured status comes from an endorsement, and the wording the contract demands has to match the endorsement your policy actually carries. A certificate handed over without the matching endorsement is the most common reason a claim gets denied to a general contractor who thought they were protected, and the argument then lands on you.
What moves the premium
- Your trade classification, which is decided by the work rather than the licence.
- Receipts or payroll, since this policy audits.
- Whether you use subcontractors and whether you collect their certificates.
- Residential versus commercial work, and whether any of it is new construction.
The exclusions to read before you sign anything
Many contractor policies carry exclusions for subsidence, for work above a certain height, for exterior insulation systems and, in Florida, for residential construction defect. If the job you are quoting falls inside one, the certificate will still print, and the coverage will not be there. Send us the scope, not just the limits.
Kesyon moun poze vre
How fast can I get a certificate?
Same day once the policy is bound. Send the exact wording the other party requires, not a summary of it.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
A licensed Florida agent may call, text or email you about your request.