Always Be Covered by Worker’s Compensation 

An accident can happen at any time, especially at a construction site. Therefore, it is important for a contractor to have general liability and worker’s compensation insurance (that is updated and sufficient), especially when on a job site. Florida’s insurance coverage requirements are always in effect for active licenses, regardless of if there is a current project going on or not. 

When you get your Florida contractor’s license, the state gives licensees a 30-day period from when your license was issues to get worker’s compensation insurance or an exemption. Exemptions are used when a licensed contractor has no employees. However, when it comes to general liability insurance coverage, Florida contractor licensees must obtain the minimum coverage immediately. Whether you plan to work a job immediately or not, you still need to get coverage right away to avoid fines and penalties. 

If you change jobs or ceased the operation of a company, you need to take the proper steps to deactivate the license or move it to a new entity. If your license is in an active status, you are required to be properly insured, so make sure your status is inactive if you plan on not working. 

Just a reminder: insurance is required to pull permits, so remember to keep your coverages updated and make sure you are covered in all ways you’re legally supposed to be, or you will not be able to properly work on jobs.  

If you have any questions about worker’s compensation insurance, exemptions, or general liability insurance for Florida contractors, we can help you. If you are not a general contractor or own a business, make sure your boss has insurance that is covering you, if you do not purchase it on your own.  

At Licenses, Etc., we are a contractor licensing company, but we can also help give you an insurance referral. If you’re looking to get a Florida contractor’s license, we can help you start the process today. We make the process easy and simplify everything for you every step of the way. We do all the heavy lifting for you! We know how to properly fill out forms and file to ensure your application will go through and not get denied. To learn more, visit our  Florida Contractor’s License page or call 239-777-1028.