What Insurance Do Florida Roofing Contractors Need?
The coverage categories Florida roofing contractors typically address, and why roofing premiums are high.
Short answer
Florida roofing contractors typically address general liability and workers’ compensation, along with commercial auto and coverage for tools and equipment. Roofing is classified as high-hazard work, so workers’ compensation costs are substantial. Requirements are fact-specific; confirm current obligations with DBPR, your carrier, and a qualified advisor.
01
Separate coverage by what it protects
Confusion usually comes from treating insurance as one product. Each policy responds to a different risk and a different injured party.
- General liability for third-party bodily injury and property damage
- Workers’ compensation for employee injury
- Commercial auto for vehicles and trailers
- Tools, equipment, and installation floater coverage
- Umbrella or excess liability
- Coverage or endorsements required by contract
02
Why roofing premiums are high
Workers’ compensation rates reflect classification hazard, and roofing carries elevated injury severity. That cost belongs in your labor burden calculation, not as an afterthought.
Contractors who price labor without burden systematically underbid and absorb the difference from profit.
03
Compliance is legal and specific
Coverage requirements, exemptions, and filing obligations depend on your business structure, employees, and the jurisdictions and contracts involved.
Use official sources and qualified professionals for actual coverage decisions rather than general guidance.
Official-source check
Requirements, references, and testing procedures can change. Verify current details with Florida DBPR, the CILB, and the current exam vendor before acting.
Candidate questions
Frequently asked questions
Is workers’ compensation always required?
Requirements depend on your business structure and employees. Verify current Florida requirements officially.
Does general liability cover employee injuries?
No. Employee injury is addressed through workers’ compensation.
Should insurance be in my labor burden?
Yes. Workers’ compensation and related costs belong in the fully burdened labor rate.