Contractors Insurance in Florida for Builders and Trades

Comprehensive Insurance for Contractors

From bids to final punch lists, protect every phase.

Job sites bring moving parts—crew injuries, client property damage, stolen tools, and strict contract terms. Complete Trust Insurance assembles coverage for GCs, remodelers, electricians, plumbers, HVAC, painters, and handymen across Vero Beach, Sebastian, and Fort Pierce. Start with general liability for third-party claims, then add protection that fits your trade and projects along US-1 and A1A.

Two construction workers, one pointing up, discussing project details at a bridge site.
Meeting Contracts & Licensing Requirements

Certificates, Endorsements, and Audits—Handled.

We issue same-day COIs, add additional insureds and waivers where eligible, and help you prepare for workers’ comp audits. Our team keeps your policy language aligned with bid specs so you can start work on schedule.

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Key Coverages for Contractors

Build a Package That Meets Real Job Requirements.

  • General Liability: injuries/property damage at jobsites, with additional insured and primary/non-contrib endorsements when required
  • Workers’ Compensation: required for employees in construction; helps pay medical bills and wages after an on-the-job injury
  • Commercial Auto: trucks, vans, and trailers moving crews and materials between sites
  • Inland Marine (Tools & Equipment): theft and damage for gear on the road or on site
  • Commercial Property/Shop: offices, warehouses, and yards; Builder’s Risk for new builds and major renovations
  • Umbrella: higher limits for contracts with strict requirements


We’ll align limits to contract specs and provide fast COIs for GCs and building departments throughout Indian River County. If you have employees, add workers’ comp; if your crews travel daily, pair with inland marine for tools; and keep vehicles under commercial auto for proper liability.

Tailored to Your Trade

Not All Trades Are Priced—or Exposed—the Same.

A roofer’s risk profile differs from an interior painter’s. We place you with carriers that understand your class codes, project values, and safety program. Discounts may apply for drug-free workplace, safety training, and claim-free history around the Treasure Coast.

Save on Insurance Without Cutting Coverage

Smart Credits Beat Risky Shortcuts.

Bundle policies, maintain driver standards, lock and track tools, and document jobsite safety. We’ll hunt for class-specific credits and structure deductibles that lower cost while keeping contract-required limits intact.

Frequently Asked Questions

Contractor Coverage Questions We Hear Most.

  • What insurance do Florida contractors need?

    Typically general liability, workers’ comp, commercial auto, and inland marine for tools; builder’s risk for projects and an umbrella for higher limits.

  • How fast can I get a Certificate of Insurance?

    Often the same day, with additional insured and waiver endorsements where eligible to meet job requirements.

  • Are subcontractors covered by my policy?

    Not automatically. Require subs to carry their own insurance and provide COIs; otherwise you could be charged at audit or assume their risk.

  • What limits do GCs typically require?

    Many jobs require $1M/$2M GL, auto with $1M CSL, and statutory workers’ comp; larger projects may need umbrellas. We’ll match your contracts.

  • How can I lower my premiums?

    Safety programs, MVR standards, tool security, and bundling policies can reduce costs over time.

  • Do I need builder’s risk for small remodels?

    If you’re responsible for materials before installation or during renovation, a project-specific or endorsement-based solution may be appropriate. We’ll advise based on scope.