Jacksonville contractors insurance from a Florida-rooted agency

Frequently Asked Questions

• Does Florida really require workers' compensation if I only have one employee on my construction crew?
  Yes. Florida law requires workers' compensation coverage for construction businesses that have one or more employees, which includes the business owner in most classifications. This applies to contractors working anywhere in Duval County — from downtown Jacksonville renovation projects to residential builds in Orange Park. Exemptions exist for sole proprietors and certain corporate officers, but those exemptions require a formal filing and do not automatically apply. Any contractor hiring even a single worker should confirm their obligations with a licensed agent before their next job starts.
• What general liability limits do Jacksonville general contractors typically need to meet contract requirements?
  Most general contractor agreements and Florida licensing board requirements specify minimum general liability limits, and larger commercial projects in Jacksonville's Southside office corridors or near JAXPORT infrastructure often require higher limits or additional-insured endorsements naming the project owner or property manager. The right limit depends on your contract language, the size of your jobs, and whether you are working as a prime contractor or a subcontractor. Rather than guessing, review your current contract requirements with an agent who can compare multiple carrier options before you bid your next project.
• Does contractors' equipment coverage protect my tools on jobsites throughout the Jacksonville metro area?
  Inland marine contractors' equipment policies are designed to cover owned tools, equipment, and materials while in transit or staged on a jobsite — which matters for trades operating across Duval County, Clay County, and the surrounding Northeast Florida area. Coverage territory, per-item limits, and deductibles vary significantly by carrier and policy form. Contractors working on large commercial sites in the Westside industrial zone or residential tracts in Orange Park should confirm that their equipment schedule reflects current replacement values and that the policy does not carry exclusions that would leave high-value equipment unprotected at a temporary jobsite.
• What insurance do contractors need in Jacksonville?
  General contractors, subcontractors, and specialty trades — roofing, framing, electrical, plumbing, HVAC, concrete, and more. A typical Jacksonville program combines several of these coverages based on the operation, contracts, and exposures.
• How much does contractor insurance cost in Jacksonville?
  Cost depends on the size of the operation, payroll or revenue, vehicles, prior claims, and Florida-specific factors. Florida requires workers' comp for construction at a single employee, and GCs must verify every sub's coverage before work begins or absorb the exposure on their own policy. An Instant Quote across 100+ markets is the most accurate way to know.
• What's different about insuring contractors in Florida?
  Florida requires workers' comp for construction at a single employee, and GCs must verify every sub's coverage before work begins or absorb the exposure on their own policy.
• Can Ellie Insurance Group shop contractor insurance for my Jacksonville operation?
  Yes. As an independent agency we shop 100+ carrier markets for contractor insurance, including specialty markets for harder-to-place contractors. Jacksonville is part of our core Florida service area.