Business insurance • Florida plumbing contractors
Florida Plumbing Contractor Insurance: License Minimums and Workers’ Comp
Florida licensed plumbing contractors must carry public liability insurance of at least $100,000 and property damage coverage of at least $25,000 under Fla. Admin. Code R. 61G4-15.003. Construction employers with one or more employees, including corporate officers, must carry workers’ compensation unless exempt.
This guide covers Florida plumbing insurance minimums, workers’ comp rules, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Florida, and a licensed agent can compare quotes for your plumbing business.
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Florida license insurance minimums
| License | Public liability | Property damage |
|---|---|---|
| Plumbing contractor | $100,000 | $25,000 |
| Air conditioning or mechanical contractor | $100,000 | $25,000 |
| General or building contractor | $300,000 | $50,000 |
Source: Fla. Admin. Code R. 61G4-15.003.
Florida workers’ compensation
Florida construction employers with one or more employees must carry workers’ compensation, and corporate officers and LLC members count toward that total unless they qualify for an exemption (Florida Division of Workers’ Compensation).
Coverage most Florida plumbers carry
- General liability: third-party injuries and property damage, such as a failed fitting that floods a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop and stock, often at a lower combined price.
- Workers’ compensation: medical bills and lost wages if an employee is hurt on the job.
- Commercial auto: service vans and trucks that carry crews, parts, and equipment.
- Tools and equipment (inland marine): pipe threaders, drain machines, and cameras on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Florida plumbers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $147 | $1,768 |
| Business owner’s policy | $213 | $2,559 |
| Workers’ compensation | $179 | $2,150 |
| Commercial auto | $285 | $3,415 |
| Tools and equipment | $42 | $505 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $93 | $1,111 |
Costs reported by Insureon for plumbing businesses that bought policies through its site, mostly with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Florida plumbing insurance FAQs
How much liability insurance does a Florida plumber need?
At least $100,000 public liability and $25,000 property damage.
Do Florida plumbers need workers’ comp?
Construction employers with one or more employees must carry it, including corporate officers unless exempt.
Do Florida plumbers need a bond?
The state license sets insurance minimums. Some counties and projects require bonds.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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