Contractor Insurance for Florida Trades

Frequently Asked Questions

• What does contractor insurance cover?
  Contractor insurance can include general liability, workers' compensation, commercial auto, tools and equipment, and certificate wording that supports job contracts. The right mix depends on the actual work performed, the vehicles and equipment used, payroll, subcontractors, and the contracts the contractor signs.
• Who needs contractor insurance?
  A contractor should review coverage before working for owners, general contractors, property managers, builders, municipalities, or commercial customers. Coverage is especially important when contracts require additional insured status, waiver of subrogation, primary and noncontributory wording, or proof of workers' compensation.
• What does it not cover?
  A policy usually does not cover every business problem or every promise made in a contract. Faulty workmanship, intentional damage, uncovered operations, professional design responsibility, pollution or mold issues, and excluded subcontracted work may need separate review before the job starts.
• How is it priced?
  Pricing is based on factors such as trade type, payroll, receipts, subcontractor cost, prior claims, location, vehicles, equipment values, height or excavation exposure, and requested endorsements. Carrier appetite also matters, which is why Ellie shops 100+ carrier markets on your behalf instead of treating every contractor the same.
• What information is needed for an Instant Quote?
  Helpful information includes business name, locations, owner details, trade operations, annual receipts, payroll by class, subcontractor cost, vehicle schedules, equipment values, prior losses, and copies of contracts or certificate requirements. If a job requires special wording, send the contract before requesting the certificate so the agent can confirm whether the policy supports it.
• Does Ellie shop more than one carrier?
  Yes. Ellie Insurance Group is a Florida-rooted agency with Tampa and Brooksville locations, founded in 2022, with access to 100+ carrier markets. An Ellie agent shops your account across competing markets and presents options that fit the operation.
• Is this coverage available in Florida?
  Yes. Ellie Insurance Group is headquartered in Tampa, FL and serves commercial businesses nationwide. In Florida, construction employers generally need workers' compensation coverage when they have one or more employees, and contractors should verify subcontractor coverage before work begins.
• What related policies should be reviewed?
  Related policies often include general liability, Florida workers' compensation, commercial auto, contractors equipment, builders risk, umbrella liability, surety bonds, pollution liability, and installation floaters. The right mix depends on the trade, payroll, receipts, equipment, vehicles, and contract requirements.