Commercial construction insurance in Florida

Built for Florida contractors

Insurance that keeps your projects moving

Florida construction work moves fast, and the risks move faster. GM Insurance Underwriters helps general contractors, subcontractors, and construction firms across the state put the right coverage in place before a job starts. From bidding downtown Jacksonville to building along the St. Johns River, to expanding crews in Orlando or Tampa, we understand what owners and GCs expect to see in your paperwork and on your certificates.

Our team focuses heavily on contractor coverage, so we’re used to the details that matter: additional insured wording, waiver of subrogation, required limits, and quick turnaround when a project schedule changes. When you need a policy that fits your trade, your payroll, and your contracts, you get straight answers and real options from an independent agency.

Request a quote
A pile of pills with one that says caf on it

Core coverages for construction businesses

Most construction companies need a mix of coverage to meet state licensing rules and contract requirements. We build programs that can include:

General liability for third-party injuries and property damage tied to your operations.

Workers’ compensation for employee injuries, required on most Florida construction crews.

Builder’s risk to cover structures and materials while a job is underway.

Surety bonds for bid, performance, and payment obligations on public and private work.

Commercial auto for pickups, vans, and fleets that travel between sites.

Contractors equipment coverage for tools and machinery on the move.

Umbrella liability when project owners require higher limits.

Professional liability for design-build or advisory exposures.

Pollution and marine liability when a job brings environmental or water-adjacent risk.

If a contract calls for a specific form or limit, we’ll match it. If you’re not sure what you need, we’ll walk through your scope, your clients, and your risk points to narrow it down.

A young girl is sitting at a table with an older woman standing behind her.

Why contractors choose GM Insurance Underwriters

Specialists who speak construction

Construction insurance isn’t a side offering here. It’s the bulk of what GM Insurance Underwriters does every day. That focus shows up in the practical stuff that saves you time: clear guidance on requirements, access to carriers that understand Florida trades, and certificates delivered when you need them, not next week.

We also know Florida’s market. Wind, storm surge, and site theft are real concerns from the beaches of Miami to the neighborhoods around Tampa Bay. We’ll help you choose limits and deductibles that make sense for your jobs, and we’ll review coverage each renewal so you stay ready for what’s next.

Schedule a consult
Group 5

Answers contractors look for

  • What insurance is required for Florida contractors?

    Most licensed contractors need general liability, and workers’ compensation is required for construction businesses with employees. Beyond that, many owners and GCs require builder’s risk, umbrella limits, or bonds depending on the job.

  • How much does construction insurance cost?

    Premiums depend on trade, payroll, revenue, claims history, and the limits your contracts demand. Roofing, structural work, and heavy equipment operators usually price differently than interior trades. We shop multiple carriers to find competitive options for your exact scope.

  • Can you insure a one-person contractor or new company?

    Yes. We regularly help start-ups and small crews get coverage so they can pull permits, sign contracts, and get on site.

  • Do you provide certificates fast?

    Yes. COIs are part of daily construction life, so our process is built around quick issuance and correct wording.

Talk with an agent
An oval shape filled with diagonal black and white stripes.