Florida General Contractor & Builder’s Insurance

General contractors in Florida pull permits, manage subs, sign owner-contractor agreements that pass risk downstream, and live or die on the GC's certificate-of-insurance compliance program. Florida First Insurance of Broward writes general liability, business auto, builder's risk on a per-project or blanket basis, professional liability for design-build work, and workers compensation across NCCI construction class codes — including the wrap-up arrangements (OCIP/CCIP) on larger projects.

The two underwriting flashpoints are subcontractor risk transfer (carriers want to see proper additional-insured language, primary-and-noncontributory wording, and a working hold-harmless on every sub agreement) and residential vs. commercial split. Florida residential GC accounts with new-construction exposure carry meaningful completed-operations tails — most placements run 5- or 10-year extended reporting on the completed-ops side. We negotiate that at binding.

General-contractor accounts bind across Miami-Dade, Broward, and Palm Beach; Collier and Lee on the Gulf coast; Sarasota and Manatee on the Suncoast; Pinellas, Hillsborough, and Pasco around Tampa Bay; Polk, Orange, and Seminole on the I-4 axis; Brevard and Volusia on the Atlantic; Alachua, Marion, and Duval through North Florida; and Leon and Escambia in the Panhandle.

GC quotes are placed for contractors operating in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.