Need a Certificate of Insurance before you can start the job? Most contractors, event vendors, and small businesses can get proof of insurance issued the same day — often in under 10 minutes.
Check Prices & Get COIYou'll be taken to a secure provider to complete your coverage and receive your certificate.
🚨 Job on hold because you don't have a COI? Don't lose the contract — get connected now.
Get My Proof of InsuranceWho 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
Your contractor type, coverage amount required, and who needs to be listed as additional insured.
We connect you with a licensed insurance provider that can issue your certificate.
Your Certificate of Insurance is issued and emailed directly to you and your general contractor.
No spam. No obligation. Pay only if you choose coverage.
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.
Typical Requirement
Usually $1M per occurrence / $2M aggregate
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.
Typical Requirement
Statutory limits required by Florida law
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.
Typical Requirement
Typically $1M combined single limit
Provides additional coverage above your GL and auto limits. Required on larger commercial projects and government contracts.
Typical Requirement
Varies — $1M to $5M common
Service Area
Whether you're in Miami or the Panhandle, we can connect you with a licensed provider in your area.
Miami-Dade
Broward
Palm Beach
Orange
Hillsborough
Pinellas
Duval
Sarasota
Lee
Volusia
Brevard
Polk
Manatee
Collier
Seminole
Popular Guides
If you need documentation for a specific niche, start with our certificate of insurance in Florida hub or jump directly to a guide built for your business type.
Statewide COI hub for contractors, cleaners, vendors, and small businesses.
COI guidance for property-manager, HOA, and exterior-cleaning jobs.
Proof-of-insurance help for property managers, rentals, and small repair work.
Certificate guidance for owners, landlords, and project approvals.
COI options for recurring cleaning contracts and facilities accounts.
Proof-of-insurance help for fairs, markets, and pop-up approvals.
We'll connect you with a licensed provider that can generate your certificate instantly based on your situation.
Check Prices & Get COIYou'll be taken to a secure provider to complete your coverage and receive your certificate.
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 partner providers handle requests throughout the week and weekend. Submit your information anytime, and you'll be connected with a licensed provider.
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).
We may connect you with a licensed insurance provider to complete your coverage and receive your certificate. No spam. No obligation. Pay only if you choose coverage.