Need a Certificate of Insurance before you can start the job? Call now — specialists connect you with same-day COI issuance for roofers, HVAC, electricians, plumbers, and general contractors across Florida.
(435) 612-1009🚨 Job on hold because you don't have a COI? Don't lose the contract — call now.
Call (435) 612-1009Who Needs a COI?
If you're a subcontractor in Florida, you almost certainly need to provide a COI before starting any job.
GAF, Owens Corning, and independent roofers
Residential and commercial HVAC systems
Licensed Florida electrical contractors
Plumbers and pipefitters statewide
GCs managing subcontractors and job sites
Lawn care, tree trimming, irrigation
Interior and exterior painting crews
Impact window and door installers
How It Works
A specialist picks up immediately during business hours. No automated menu maze — just a real person.
Your contractor type, coverage amount required, and who needs to be listed as additional insured.
Your Certificate of Insurance is issued and emailed directly to you and your general contractor.
Mon–Fri 9am–9pm · Sat 12pm–5pm EST
Coverage Types
Florida contractors typically need one or more of these coverage types. Your specialist will confirm exactly what's required for your specific job.
The most commonly required COI in Florida. Covers bodily injury and property damage caused by your work. Required by most GCs and property managers.
Required by Florida law for most contractors with employees. Protects workers injured on the job. Many GCs won't let you on site without it.
Covers vehicles used for business purposes. If you drive to job sites in a work truck or van, your personal auto policy likely does not cover you.
Provides additional coverage above your GL and auto limits. Required on larger commercial projects and government contracts.
Service Area
Including Miami-Dade, Broward, Palm Beach, Orange, Hillsborough, and all 67 Florida counties
Florida DBPR Compliance
The Florida Department of Business and Professional Regulation (DBPR) requires all licensed contractors to maintain active general liability insurance as a condition of their license. Roofing contractors must carry a minimum of $300,000 in GL coverage. Workers' compensation is required for any contractor with employees.
Operating without the required insurance can result in license suspension, fines, and personal liability for job site injuries or property damage. A COI is your proof of compliance — and your GC won't let you on site without one.
(435) 612-1009
FAQ
A COI is a one-page document that proves your insurance coverage is active. It lists your insurer, policy number, coverage types, limits, and effective dates. General contractors and property managers require it before allowing you to start work.
If you already have an active policy, your COI can typically be issued the same day — sometimes within hours. If you need to purchase a new policy first, same-day binding is available for most standard contractor policies.
When a general contractor or property owner asks to be listed as "additional insured," it means they are added to your policy as a protected party. This is standard practice in Florida construction and is required on most commercial projects.
Yes. Florida DBPR (Department of Business and Professional Regulation) requires licensed contractors to maintain active general liability insurance as a condition of their license. Roofing contractors in Florida must carry a minimum of $300,000 in general liability coverage. Workers' compensation is required for contractors with employees.
Yes — our specialists are available Saturday 12pm–5pm EST. Call (435) 612-1009 to get connected.
Your business name, address, contractor license number (if applicable), the coverage amounts required, and the name and address of the certificate holder (the GC or property manager who needs to be listed).
Call now and get connected with a specialist who can issue your Certificate of Insurance today.
(435) 612-1009Mon–Fri 9am–9pm · Sat 12pm–5pm EST · All Florida counties