Business insurance • Florida electrical contractors
Florida Electrical Contractor Insurance: $800,000 License Minimum and Workers’ Comp
Florida sets higher license insurance minimums for electrical contractors than for plumbing or roofing contractors. Fla. Admin. Code R. 61G6-5.008 requires liability of $100,000 per person and $300,000 per occurrence plus $500,000 of property damage, or an $800,000 combined single limit, including products and completed operations. Licensees must also keep workers’ comp or an exemption.
This guide covers Florida electrical 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 electrical business.
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Florida electrical contractor insurance minimums
| Coverage | Minimum |
|---|---|
| Liability (including products and completed operations) | $100,000 per person / $300,000 per occurrence |
| Property damage (including products and completed operations) | $500,000 |
| Or combined single limit | $800,000 |
Source: Fla. Admin. Code R. 61G6-5.008. Licensees must also attest that they will keep workers’ compensation or an exemption.
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 electricians carry
- General liability: third-party injuries and property damage, such as a wiring fault that starts a fire in a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop, wire, and stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including shocks and falls.
- Commercial auto: service vans and bucket trucks that carry crews and equipment.
- Tools and equipment (inland marine): meters, benders, lifts, and power tools on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Florida electricians pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $61 | $732 |
| Business owner’s policy | $100 | $1,198 |
| Workers’ compensation | $140 | $1,679 |
| Commercial auto | $275 | $3,304 |
| Tools and equipment | $42 | $503 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $74 | $886 |
Median costs for electricians who got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Florida electrical insurance FAQs
How much liability insurance does a Florida electrical contractor need?
$100,000 per person and $300,000 per occurrence plus $500,000 property damage, or an $800,000 combined single limit.
Does the Florida minimum include completed operations?
Yes. Both the liability and property damage minimums include products and completed operations.
Do Florida electricians need workers’ comp?
Construction employers with one or more employees must carry it, and licensees must keep coverage or an exemption.
Related guides
Important information
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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.
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