The Foundation of Contractor Coverage
Liability Protection for Everyday Risks
General liability insurance is the baseline policy most Florida contractors and business owners start with. It covers third-party bodily injury, property damage, and related legal costs when a claim ties back to your operations.
For construction companies, it’s also a licensing expectation and a contract requirement on most jobs. From a customer slipping at a site trailer to accidental damage during a remodel, this policy is the one that keeps routine claims from turning into major setbacks. GM Insurance Underwriters places general liability with carriers that understand
Florida trades and the realities of job-site work.
Tailoring GL for Your Scope
Details that Matter on Florida Jobs
Not every policy form works for every trade. A roofer, a concrete sub, and a design-build GC have very different risk profiles. We look at your operations, your subs, and your job types to avoid gaps or exclusions that could surface later.
We also handle the ongoing tasks contractors deal with year-round, including
certificates of insurance for new sites, additional insured requests, and policy updates as your revenue or payroll grows.
Questions We Hear All the Time
Is general liability required for all Florida businesses?
Construction licensing usually requires it, and many other industries need it to sign leases or client contracts. Even when it’s not legally required, it’s still one of the smartest policies to carry.
Does GL cover my employees?
No. Employee injuries are handled through workers’ compensation.
Does GL cover my tools or equipment?
No. Tools and mobile equipment are covered through contractors equipment coverage.
How much coverage should I carry?
Many small businesses start with $1 million per occurrence, but your contracts and job size often dictate higher limits. We’ll review your requirements and make a recommendation you can stand behind.