Contractors in Nassau County are busy, and most jobs can't start until you show a certificate of insurance. The right coverage protects you if someone is hurt on a job site, if your work damages a client's property, or if your tools and trailer are stolen.
Southend Insurance works with general contractors and trades across Fernandina Beach, Amelia Island, Yulee and Northeast Florida, including roofers, electricians, plumbers, HVAC, painters, carpenters, landscapers, pool builders and handymen.
What contractor insurance can cover
- General liability and completed operations
- Tools, equipment and trailers
- Builders risk for projects under construction
- Commercial auto for work trucks
- Workers' compensation
- Commercial umbrella for higher limits
- Surety and license bonds
- Certificates and additional insured endorsements
Good to know in Florida: Florida generally requires construction businesses with even one employee to carry workers' compensation, and corporate officers must file an exemption with the state if they choose not to cover themselves. General contractors, property managers and licensing requirements often call for proof of liability insurance before work begins.
Certificates when you need them
When a general contractor or homeowner asks for a certificate, you need it quickly. Once your policy is in place, send us the certificate holder's details and any additional insured requirements and we will turn it around fast.
Contractor Insurance FAQs
What insurance do contractors need in Florida?
Most contractors need general liability, and many need workers compensation, commercial auto and coverage for tools and equipment. The right mix depends on your trade, your employees and what your contracts require.
Does general liability cover my tools?
No. General liability covers injuries and damage to others. Tools and equipment are covered by an inland marine or contractors equipment policy.
Can you add a general contractor as an additional insured?
Yes. Many policies allow additional insured endorsements, which general contractors and property owners often require. Send us the contract requirements and we will review them.