Choice One Insurance

Contractors Insurance in Florida

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Choice One Insurance | Insurance in Florida

At Choice One Insurance, we understand that contractors in Florida face unique challenges—from unpredictable weather to regulatory requirements and project-specific risks. That’s why we offer comprehensive contractors insurance solutions tailored to your business. 

Whether you’re a small residential contractor or manage larger commercial projects, our policies are designed to protect your business, employees, and reputation. Learn how we can help you stay covered and compliant while focusing on what you do best: building and improving Florida.

Contractors Insurance Florida

What Is Contractors Insurance And Why Do Businesses Need It?

Contractors insurance is a type of business insurance designed to protect contractors from risks inherent in construction and related industries. In Florida, where storms, hurricanes, and high litigation risk are common, having the right coverage is not just smart—it’s often essential. Contractors insurance may include protection for property damage, liability, equipment loss, and even employee injuries. Without adequate coverage, even a single accident on a job site could lead to significant financial loss or legal complications.

At Choice One Insurance, we work with Florida contractors to assess their risks and recommend policies that meet both state requirements and business needs. From roofing and plumbing to electrical and general contracting, we ensure that your business has the protection it needs to operate confidently.

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What Types Of Coverage Do Contractors Insurance Policies Include?

Contractors insurance can be customized to fit the size and scope of your business. Common types of coverage may include:

  • General Liability Insurance – Protects your business against third-party claims for property damage or bodily injury.
  • Workers’ Compensation – Covers employee medical expenses and lost wages if someone is injured on the job.
  • Commercial Auto Insurance – For company vehicles and equipment in transit.
  • Tools and Equipment Coverage – Safeguards your valuable tools against theft or damage.
  • Professional Liability Insurance – Offers protection against claims of errors, omissions, or negligent work.

Choice One Insurance works closely with contractors in Florida to create a customized package. We understand that every job site is different, and your insurance should reflect your unique exposures.

  • Florida contractors must comply with state regulations, licensing requirements, and contractual obligations. Having the right insurance is often part of meeting these legal standards. Choice One Insurance guides you through the requirements for workers’ compensation, liability coverage, and project-specific insurance.

    Our team can also help you understand contract clauses that require proof of insurance, reducing the risk of delays or legal disputes. By ensuring your policies are up-to-date and compliant, you can focus on completing projects efficiently without worrying about regulatory penalties.

  • Liability claims are one of the most common and costly risks for contractors. In Florida, construction sites face exposure to accidents, property damage, and lawsuits from clients or the public. General liability insurance may cover medical expenses, legal fees, and settlement costs in the event of a claim.

    With Choice One Insurance, Florida contractors receive personalized guidance on liability limits and coverage options. We consider factors like the types of projects you take on, the size of your crew, and your client contracts. By proactively addressing potential liability, you can protect both your business and your reputation.

  • Construction work carries inherent risks, and injuries can happen even with strict safety protocols. Workers’ compensation insurance provides coverage for medical expenses, rehabilitation, and lost wages if an employee is injured on the job. In Florida, most contractors with employees are required by law to carry workers’ compensation insurance.

    Choice One Insurance helps you navigate these legal requirements while providing coverage that fits your business size and risk profile. We also help you explore optional programs that may reduce premiums while maintaining essential protection for your team. With proper coverage, you can foster a safer work environment and show employees you value their well-being.

  • At Choice One Insurance, we combine local expertise with personalized service to support Florida contractors at every stage of their business. We understand regional risks, including hurricane exposure, coastal construction hazards, and state-specific licensing requirements.

    Our approach is consultative, ensuring that your insurance portfolio aligns with your business goals. We review your existing policies, identify gaps, and provide recommendations that balance cost and protection. Many contractors also appreciate our flexible policy options, which may include coverage extensions or project-specific add-ons. With Choice One Insurance, you get more than just a policy—you get a partner invested in the long-term success of your Florida contracting business.

Contractors Insurance Florida

How Can Contractors Get Started With Choice One Insurance In Florida?

Getting started is easy. Simply reach out to Choice One Insurance for a consultation. We will review your business operations, assess risks, and recommend a tailored contractors insurance package. Our team can explain your coverage options in plain language, helping you make informed decisions without confusion or unnecessary complexity.

Whether you’re launching a new contracting business or updating an existing policy, we prioritize clarity, responsiveness, and cost-effective solutions. Protect your business, your employees, and your projects today with Choice One Insurance—Florida’s trusted partner for contractors insurance.

choice insurance florida

Headquarters

18400 SW 97th Ave, Ste 100
Cutler Bay, FL 33157

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