General Liability by Contractor Trade
Coverage priced on the work your crew actually performs. Eight Southwest Florida contractor classifications, what drives the cost of each, and how to avoid a reclassification at audit.
General Liability by Contractor Trade
General liability for contractors is rated on the trade you perform, using ISO class codes, and on an exposure basis that is normally your gross receipts or your payroll. As with workers' comp, the classification follows the work actually being done rather than what is printed on the licence — and it is the work actually being done that a carrier will look at when a claim comes in.
Florida's Construction Industry Licensing Board requires licensed contractors to carry general liability, but the practical driver is contractual. General contractors, property managers and municipalities across Lee, Collier and Charlotte counties routinely demand $1,000,000 per occurrence and $2,000,000 aggregate, plus additional insured status and often a waiver of subrogation, before a crew is allowed to start.
Pick your trade below for the classification detail, what drives cost in that trade, and the exclusions that most often turn into declined claims.
- General Contractors General Liability Insurance
- Roofing Contractors General Liability Insurance
- Framing Contractors General Liability Insurance
- Concrete Contractors General Liability Insurance
- Tree Service & Arborists General Liability Insurance
- HVAC Contractors General Liability Insurance
- Plumbing Contractors General Liability Insurance
- Electrical Contractors General Liability Insurance
Trades We Write
Eight of the most common Southwest Florida contractor classifications.
- General Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims. - Roofing Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims. - Framing Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims. - Concrete Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims. - Tree Service & Arborists General Liability
Classification, cost drivers and the exclusions that cause declined claims. - HVAC Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims. - Plumbing Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims. - Electrical Contractors General Liability
Classification, cost drivers and the exclusions that cause declined claims.
Not Sure Which Code Applies?
Classification disputes are the single most common reason a Florida contractor overpays for coverage, and they are usually resolved in a ten-minute conversation about what your crew actually does on a normal day. Call (239) 898-2323 and we will work it out before you buy, not at audit.
Looking for the same trades under Workers' Compensation by trade? Most contractors carry both.