Business insurance • Florida roofing contractors
Florida Roofing Contractor Insurance: License Minimums and Workers’ Comp
Florida licensed roofing 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 roofing 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 roofing business.
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Florida license insurance minimums
| License | Public liability | Property damage |
|---|---|---|
| Roofing 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 roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Florida roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Florida roofing insurance FAQs
How much liability insurance does a Florida roofer need?
At least $100,000 public liability and $25,000 property damage.
Do Florida roofers need workers’ comp?
Construction employers with one or more employees must carry it, including corporate officers unless exempt.
Is Florida roofing insurance expensive?
Roofing is a high-risk trade, and Florida storm exposure can raise costs. Comparing several carriers helps.
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, the surety, your credit, the bond type, and underwriting.
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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