Framing Contractor Insurance for Tampa FL
General liability, workers' comp, bonds and materials coverage for Tampa framing contractors, from multiple Florida-licensed insurers.
Coverage for the job site and for years after the job
Framing claims can show up long after a project wraps. We compare multiple Florida-licensed insurers and return the best fit for your business, with local knowledge and real responsiveness.
- Structural damage and defect claims
- Completed operations after the job is done
- Additional insured status for your GCs
- Legal defense from day one
Coverage for Tampa FL framing contractors
Six policies built around framing work, from the first wall to post-job claims.
General Liability
Job site injuries and property damage, plus defect claims from framing failures found later.
Workers' Compensation
Covers crew injuries like falls from heights, nail gun wounds and lumber handling injuries.
License Bond
The bond your contracting license requires, placed and issued by our team.
Commercial Auto
Covers the trucks and vehicles that move your crews, tools and lumber between job sites.
Tools, Equipment and Materials
Inland marine coverage for your tools and the lumber and materials staged at job sites.
Umbrella Liability
Extra liability above your GL and auto limits, useful when a GC asks for higher limits.
The framing exposures we plan for
Lumber staged at your job site is not covered by GL or commercial auto
Materials waiting at a job site need inland marine coverage. We review materials coverage for every framing contractor quote.
What we check before you sign
- Completed operations for defects found after the job
- GL limits that meet your GC's $1M/$2M minimum
- The right class code, 5645 or 5403, for your work
- Materials at job sites under inland marine
- Lumber and materials left off your policy
- Limits too low for multi-story projects
- The wrong class code driving up your premium
- A GL policy written without completed operations
Why Tampa Bay framing contractors choose FishHawk
Thirty years of experience and independently owned. We are not captive to any single carrier, so our job is to shop for you.
- Independent broker: multiple Florida-licensed insurers compared
- Same-day certificates of insurance for your GCs
- Help when you face a stop-work order
- Tampa Bay local, with local knowledge and real responsiveness
Covered in 3 simple steps
Tell us about your trade
Share your framing work, your crew and the jobs you bid so we quote the right coverage.
We shop multiple carriers
We compare coverage and pricing from multiple Florida-licensed insurers for you.
Bind coverage and get your COI
Pick your policy, we bind it and send your certificate of insurance so you can work.
Frequently asked questions
What GL limits do commercial GCs require from framing subcontractors?
Most Tampa commercial GCs require $1M/$2M minimum. Some require higher limits for multi-story projects. FishHawk Insurance Center reviews your subcontracts to ensure your limits meet requirements.
What workers' comp class code applies to framing contractors?
Framing contractors typically work under class code 5645 (carpentry, residential) or 5403 (carpentry, NOC). The distinction affects your premium. FishHawk Insurance Center applies the correct class codes for your operations.
Does my GL cover structural defects found after project completion?
Yes, if your policy includes completed operations coverage, standard in properly written framing GL policies. FishHawk Insurance Center verifies this coverage for every framing contractor client.
Are lumber and materials at my job sites covered?
Not under GL or commercial auto. Materials staged at job sites need inland marine coverage. FishHawk Insurance Center includes materials coverage review for every framing contractor quote.