Contractor Insurance

Built for general contractors, specialty trades, and construction professionals working across Florida.

What We Cover

Covers third-party bodily injury and property damage claims on your job sites. Required by most GCs and clients before work begins.

Required in Florida once you have employees. Covers medical bills and lost wages if a worker is injured on the job.

Covers your work trucks, vans, and vehicles used on the job. Personal auto policies won't cover business use.

Covers your owned tools and equipment against theft, damage, or loss — on site, in transit, or in storage.

Covers buildings under construction against fire, vandalism, and weather damage while the project is in progress.

Extends your GL and auto liability limits for large claims. Often required for public projects and larger contracts.

Why Industries Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

Is insurance required to hold a contractor's license in Florida?

Yes. Florida requires licensed contractors to carry General Liability insurance as a condition of licensure. Workers' Compensation is also required once you have employees — and for certain trades, even with just one. Requirements vary by license type, so we'll make sure you're correctly covered.

What is a certificate of insurance and why do I need one?

A COI is a document that proves you have active insurance coverage. General contractors, property owners, and municipalities require one before allowing you on a job site. We provide COIs quickly and can add additional insureds at no extra charge.

Does my General Liability cover my employees if they get hurt?

No — GL covers third-party claims, not your own employees. Workers' Compensation is the coverage that protects your workers. In Florida, failing to carry required Workers' Comp can result in stop-work orders, fines, and personal liability for injuries.

Do I need insurance for subcontractors I hire?

Yes. If a subcontractor doesn't carry their own insurance, you could be held liable for their injuries or damages. We recommend requiring subs to provide a COI naming you as additional insured — and verifying their coverage is active before work starts.

How much does contractor insurance cost in Florida?

It depends on your trade, revenue, payroll, and claims history. A sole-proprietor handyman and a roofing company will have very different rates. We shop multiple carriers to find the most competitive premium for your specific operation.