What a new Florida contractor has to buy
- General liability. Florida's licensing rule, 61G4-15.003, requires $300,000 liability and $50,000 property damage for general and building contractors, and $100,000 and $25,000 for many specialty trades. GCs usually ask subs for $1 million and additional insured status.
- Workers' comp or an exemption. Construction businesses need coverage with one or more employees, counting officers and LLC members, according to the Division of Workers' Compensation. Most new contractors file an exemption first. The workers' comp checker shows when they can't.
- Commercial auto. Work trucks and vans used for the business.
- Inland marine and tools. Equipment and tools on job sites.
- Bonds. Some permits and contracts require license or performance bonds.
Which new filings to call first
- Roofing, HVAC, plumbing, electrical, and pool contractors. Licensed trades that need certificates fast.
- General and building contractors. The highest liability minimums and the most subcontractor paperwork.
- Remodeling, painting, flooring, and handyman businesses. Often uninsured until a client or GC asks.
- Contractors filing several entities. An owner setting up separate companies usually has a bigger operation.
A first call that works
"Hi, is this [name]? This is [your name] with [agency]. I saw [business name] just registered, congratulations. I work with a lot of new contractors around [county]. Have you lined up your liability certificate and workers' comp exemption yet, or is that still on the list?"
Open with the requirement they are about to hit, not with "I sell insurance." More openers, voicemails, and follow-up emails are in the calling guide. Before you dial, check the TCPA basics.
How FiledToday helps
Each weekday, FiledToday takes Florida's new filings for your county, removes holding companies and filing services, and finds the owner's phone number. You can ask for the list filtered to the categories above. Every delivered lead has a phone number; email and website are included when found. Plans run $99 to $249 a month depending on county size, month to month, and you can get a free county sample first.