Florida requirement guide
General Liability Insurance Requirements
This page explains who actually regulates this requirement, when it applies, and what a contractor may need to show on a job or to an inspector.
Start here
What this requirement actually means.
Make sure this is really a license, certification, or training rule, then use the official source for the final call.
Issuing authority
Bond requirement
No
Insurance requirement
No
How to handle it
What to handle first.
- 1
Confirm what rule you are actually dealing with
Check Florida Department of Business and Professional Regulation (DBPR) / Construction Industry Licensing Board (CILB) first so you know whether this is a license, a firm certification, or a training rule before you plan around it.
Open official source - 2
Use the approved training or certification path
Use the official source and its approved providers, trainers, or certifying organizations instead of relying on third-party summaries alone.
- 3
Keep the proof where the crew can find it
Store the card, firm record, or completion proof where you can show it when a jobsite, employer, supplier, or inspector asks.
Detailed notes
The fine print is here.
Florida Contractor Insurance Requirements
This page is about the insurance minimums the Construction Industry Licensing Board expects Florida contractors to carry, not about shopping for a policy. The useful question is not what a broker might recommend. It is what DBPR requires to keep a license active.
The board minimums that matter
DBPR's current FAQ splits the requirement into two tiers:
- General and building contractors: at least $300,000 liability insurance and $50,000 property damage insurance.
- All other CILB categories: at least $100,000 liability insurance and $25,000 property damage insurance, unless a board rule sets a different amount.
What this page does and does not cover
- This is the licensing minimum: It is the floor Florida expects for license compliance.
- It is separate from your policy design: Deductibles, completed-operations language, inland marine, commercial auto, or umbrella limits are business decisions beyond the board minimum.
- Workers' compensation is separate: DBPR also requires active licensees to maintain workers' compensation coverage or a valid exemption.
How contractors usually use this
Use the board minimums to confirm that the certificate of insurance on file still matches your license category. If you hold a general or building license, do not rely on the lower limits used by most specialty categories.
The practical risk
Insurance on a Florida contractor page is really a license-compliance issue. If the coverage on file no longer matches the category you hold, you need to fix that before treating the license as clean for renewal or business qualification.
Official links
Check the board or agency directly.
Required documents
- certificate_of_insurance
Source notes
DBPR Construction Industry FAQ and current construction application materials . Verified April 2026.
Rules move. Check Florida Department of Business and Professional Regulation (DBPR) / Construction Industry Licensing Board (CILB) again before you pay, renew, or schedule work around this requirement.
Related content
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Next steps
Turn it into a handoff.
Once the rule is clear, these tools help you hand it off cleanly or turn it into a cost plan.
Printable checklist
Florida requirement checklist
Use the checklist when you need the agency link, required proof, and key notes in one handoff.
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Review this requirement setup
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Keep General Liability Insurance Requirements links, proof, and notes with the rest of your license work.