Coverage for Florida Contractors and Trades
Florida contractors carry risk that moves — tools in a truck, crews on a roof, work that outlives the job by years. HBK Insurance Group writes general liability, tools and equipment, commercial auto and workers' compensation for roofers, electricians, plumbers, general contractors and the trades that keep the Treasure Coast building, and we handle certificates fast because your next job is waiting on one.
What Contractors Insurance Covers
- ✓ General liability
- ✓ Commercial auto
- ✓ Tools and equipment (inland marine)
- ✓ Workers' compensation
- ✓ Builder's risk
- ✓ Certificates of insurance issued promptly
Subcontractors Change Your Exposure
If you hire subs, their coverage becomes your problem when it lapses. Carriers audit for this, and an uninsured sub can be reclassified onto your payroll at your rate. We set up a certificate tracking habit at the start so the audit is not a surprise.
Completed Operations After the Job Ends
Work you finished can generate a claim years later, and in Florida that window is long. Completed operations coverage is what answers it. Dropping a policy the day the job wraps leaves that exposure entirely on you.
Common Questions
How fast can I get a certificate of insurance?
Usually same business day. Call us with the job details and the certificate holder and we will get it out.
Do I need workers' comp for a one-man operation?
Construction has its own rules in Florida and exemptions are specific. Ask before assuming — the penalty for getting it wrong is severe.
Is my equipment covered when it is stolen from the truck?
Only if you carry tools and equipment coverage. A commercial auto policy covers the truck, not what is in the bed.
Get Your Contractors Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.