Valrico, FL, United States, Florida
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GC Coverage — GL, Workers' Comp, Builder's Risk & CGC License Bond
General Contractor Insurance for Tampa FL
General contractors carry more insurance exposure than any other trade — responsible for coordinating the risks of every subcontractor on your projects. FishHawk Insurance Center builds GC packages that satisfy owner and lender requirements, Florida CILB CGC license requirements, and project-specific bond obligations.
- GL with broad completed operations for GC operations
- Workers' comp for GC employees + subcontractor oversight
- CGC license bond + project performance & payment bonds
- Builder's risk for projects under construction
- Same-day COI with project-specific additional insured language
2001
Est. in Florida
25+
Years Independent
Multi
Carrier Access
4.9★
Google Rating
General Contractor Insurance Tampa FL
Coverage Breakdown for Tampa FL General Contractor Contractors
What's Covered
Coverage Breakdown for Tampa FL General Contractor Contractors
FishHawk Insurance Center builds a package around your trade, your payroll, and what your GC and licensing board actually require. Every coverage, explained plainly.
General Liability
GC GL must cover your operations and include broad completed operations. Higher limits are typically required — $1M/$2M minimum, many owners require $2M/$4M or more.
- Broad GL for all GC operations
- Completed operations coverage
- $1M/$2M standard — higher available
- Additional insured for project owners & lenders
- Legal defense from day one
Workers' Compensation
Required for all GC employees. GCs must also verify subcontractor workers’ comp compliance — the statutory employee doctrine can expose GCs to liability for uninsured sub employees.
- Coverage for all GC employees
- Employer's liability (Part B)
- Sub compliance verification guidance
- Stop-Work Order help
- Multiple carrier comparison
CGC License Bond & Project Bonds
Florida CGC license requires a CILB bond. Most public projects and commercial owners require performance and payment bonds. FishHawk Insurance Center handles the full bond program.
- CILB CGC license bond
- Performance bonds for project contracts
- Payment bonds (FL Little Miller Act)
- Bid bonds for public project bids
- Fast issuance for bid deadlines
Builder's Risk Insurance
Covers structures under construction against fire, vandalism, theft, and windstorm during the build period. Required by virtually every construction lender in Hillsborough County.
- Structure during construction phase
- Materials on site & in transit
- Required by FL construction lenders
- Vandalism & theft during construction
- Soft cost endorsements available
Commercial Auto & Fleet
GC operations typically involve multiple vehicles — work trucks, supervisor vehicles, material transport. Commercial auto with fleet pricing covers all vehicles efficiently.
- Work trucks & supervisor vehicles
- Fleet pricing for multiple vehicles
- Hired & non-owned auto
- Cargo in transit
- Umbrella coordination
Umbrella Liability
GC projects carry large liability exposure. $2M–$10M umbrella commonly required by commercial project owners and construction lenders for general contractors.
- $2M–$10M coverage available
- Required by project owners & lenders
- Covers catastrophic claims
- Sits above GL, auto & workers' comp
- Broadens coverage in some scenarios
Why Choose FishHawk Insurance Center
Why Tampa Bay General Contractor Contractors Choose FishHawk
Independently owned and operating in Florida since 2001. Independent broker — we compare GL, workers’ comp, and bond rates across multiple Florida-licensed carriers to get you the most competitive price for your trade.
Independent Broker
Multiple carriers compared — the right coverage at the best available rate for your trade class code.
Same-Day COIs
Certificates of Insurance issued promptly with correct additional insured language. We know a delayed COI costs you a contract.
Stop-Work Order Help
Active SWO? Fines run $1,000/day. Call 813-776-1542 immediately — we can often bind coverage and start resolution same day.
Tampa Bay Local
Based in Valrico, serving Hillsborough County contractors for 25+ years. We know CILB requirements and FL class codes cold.
How It Works
Covered in 3 Simple Steps
From first contact to Certificate of Insurance in hand — most general contractor contractors are covered the same business day.
1
Tell Us About Your Trade
Call 813-776-1542 or fill out the form below. We need your trade type, number of employees, annual payroll estimate, and what your GC or CILB requires.
2
We Shop Multiple Carriers
A FishHawk Insurance Center agent compares GL, workers’ comp, and bond rates from multiple Florida-licensed carriers best matched to your trade — simultaneously, on your behalf.
3
Bind Coverage & Get Your COI
You approve the policy, we bind it, and your Certificate of Insurance is issued with the correct additional insured language for your GC, property owner, or county board.
Serving All of Tampa Bay:
Tampa · Brandon · Valrico · Riverview · Seffner · Plant City · Lutz · Wesley Chapel · New Tampa · Sun City Center · Apollo Beach · Ruskin · and throughout Florida
Tampa · Brandon · Valrico · Riverview · Seffner · Plant City · Lutz · Wesley Chapel · New Tampa · Sun City Center · Apollo Beach · Ruskin · and throughout Florida
Free Same-Day Quote
Get Your Free General Contractor Insurance Quote in Tampa
Takes about 3 minutes. We shop multiple Florida-licensed carriers — most contractors receive options the same business day.
🔒 Private & confidential — we never sell your data.
Call 813-776-1542 · info@fishhawkins.com · Book Appointment
Call 813-776-1542 · info@fishhawkins.com · Book Appointment
FAQs — General Contractor Insurance Tampa FL
Frequently Asked Questions
What GL limits do I need as a Tampa GC?
Minimum $1M/$2M for most residential and smaller commercial projects. Commercial project owners, banks, and government agencies often require $2M/$4M or higher. Umbrella policies of $2M–$5M are increasingly required by Tampa commercial project owners. FishHawk Insurance Center reviews your contract requirements before recommending limits.
Am I responsible for subcontractors who don't have their own insurance?
Potentially yes. Florida’s statutory employee doctrine can make you responsible for workers’ comp claims from subcontractor employees if those subs aren’t properly insured. FishHawk Insurance Center helps GCs establish subcontractor insurance verification procedures.
What is builder's risk insurance and do I need it?
Builder’s risk covers a structure under construction against physical damage during the build period. It’s required by virtually every construction lender in Florida. FishHawk Insurance Center includes builder’s risk review for every GC client.
When do I need performance and payment bonds?
Required on all Florida public construction projects (Little Miller Act). Many commercial owners also require bonds on larger projects. FishHawk Insurance Center manages the full bond program for GC clients.
