Valrico, FL, United States, Florida
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Tampa Bay Contractor Insurance Specialist Since 2001
Contractor Insurance for Tampa Bay Companies — Built for Your Class Code
Independent broker · Multiple carriers · Same-day COIs · All Florida trades covered
FishHawk Insurance Center is Hillsborough County’s independent contractor insurance broker. We understand CILB requirements, workers’ comp class codes, and exactly what your GC’s COI needs to say — and we shop multiple Florida-licensed carriers to get you the most competitive rates for your specific trade.
- Independent broker — multiple carriers compared for your trade and class code
- Same-day COI issuance with correct additional insured language
- Stop-Work Order? Call 813-776-1542 — same-day coverage available
- GL, workers' comp, surety bonds, commercial auto — one broker, one call
- Serving Tampa Bay contractors across all trades for 25+ years
2001
Est. in Florida
25+
Years Independent
Multi
Carrier Access
4.9★
Google Rating
Coverage Lines for Contractors
Complete Contractor Insurance — All Lines in One Package
FishHawk Insurance Center builds your policy package around what your trade, your GC contracts, and Florida law actually require. Every coverage explained plainly, compared across multiple carriers.
Required by CILB & most GC contracts
General Liability Insurance
Foundation of every contractor package. Covers third-party bodily injury, property damage, completed operations, and legal defense from day one. Additional insured endorsements for GCs included.
FL law: required for 1+ employee in construction
Workers' Compensation
Required for FL construction businesses with 1+ employee. Same-day coverage for Stop-Work Order situations. FishHawk Insurance Center shops the FL workers’ comp market aggressively by class code.
Required for all FL contractor licenses
Surety Bonds
License bonds for CILB and county boards. Performance and payment bonds for project contracts. Bid bonds for public projects. Fast approvals, often same-day electronic issuance.
Personal policies void during work driving
Commercial Auto Insurance
Every work truck, van, and fleet vehicle used to haul tools, materials, or employees needs commercial auto. Hired and non-owned auto (HNOA) included for personal vehicles used for work.
Where property policies stop
Inland Marine / Tools & Equipment
Property policies stop at your office. Inland marine covers contractor tools, equipment, and materials at job sites and in transit — where your exposure is highest.
Required by most construction lenders
Builder's Risk Insurance
Covers structures under active construction against fire, theft, vandalism, and windstorm during the build phase — before standard property insurance applies.
Trades We Serve in Tampa Bay
Contractor Insurance for Every Tampa Bay Trade
FishHawk Insurance Center specializes in trades where coverage complexity is highest and generic policies leave the most dangerous gaps. We know the class codes, COI requirements, and licensing bonds for each trade we serve.
Florida’s highest-risk trade. We specialize in class code 5551, shopping the workers’ comp market aggressively and knowing which carriers price roofing competitively.
Refrigerant liability, electrical work exposure, CAC license bonds, and commercial auto for service van fleets — complete HVAC coverage in Tampa Bay.
GL covering fire and electrical liability, EC license bond, workers’ comp, and completed operations for post-job claims. All properly covered.
GL with completed operations for water damage claims, CFC license bonds, workers’ comp, and commercial auto for your service fleet.
Broad GL, subcontractor oversight, CGC license bond, builder’s risk, performance and payment bonds, and umbrella for large projects.
GL for flatwork and structural operations, workers’ comp, commercial auto for trucks, and inland marine for equipment on job sites.
GL, workers’ comp at the correct class code, commercial auto, and builder’s risk coverage during the construction phase.
GL with underground operations endorsements, workers’ comp, inland marine for heavy equipment, and commercial auto for your fleet.
GL, workers’ comp for grounds crews, commercial auto for truck fleets and trailers, and inland marine for mowers and equipment at job sites.
High-risk GL for felling and trimming operations, workers’ comp at class code 0106, chip truck coverage, and inland marine for chainsaws and aerial lifts.
GL from ~$500/yr, commercial auto for service vehicles, tools and equipment coverage, and quick same-day COI issuance for property managers.
GL at class code 5474 (one of the most affordable trades), workers’ comp, commercial auto for work vans, and inland marine for spray rigs and equipment.
Tile, flooring, drywall, insulation, demolition, and more. If you’re a licensed contractor in Tampa Bay, we build the right package for your trade.
Why Choose FishHawk Insurance Center
Why Tampa Bay Contractors Choose FishHawk
Independently owned and operating in Florida since 2001. Not captive to any single carrier — we compare GL, workers’ comp, and bond rates across multiple Florida-licensed insurers and our loyalty is entirely to you.
Independent Broker
Multiple FL-licensed carriers compared for your trade class code — the right coverage at the best available rate, not a single take-it-or-leave-it quote.
Tampa Bay Local Since 2001
Based in Valrico, serving Hillsborough County contractors for 25+ years. We know CILB requirements, Florida class codes, and what your GC’s COI actually needs to say.
Same-Day COIs
Need a certificate before tomorrow’s project? We bind policies and issue COIs with correct additional insured language promptly — a delayed COI costs real money.
Stop-Work Order Help
Active SWO from the Florida DFS? Fines run $1,000/day. Call 813-776-1542 immediately — we can often bind coverage and start resolution the same day.
How It Works
Covered in 3 Simple Steps
From your first call to Certificate of Insurance in hand — most Tampa Bay contractors are covered the same business day they contact us.
1
Covered in 3 Simple Steps
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, at no extra cost.
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 — the same day.
Serving All of Tampa Bay:
Tampa · Brandon · Valrico · Riverview · Seffner · Plant City · Lutz · Wesley Chapel · New Tampa · Sun City Center · Apollo Beach · Ruskin · Gibsonton · Wimauma · and throughout Florida
Tampa · Brandon · Valrico · Riverview · Seffner · Plant City · Lutz · Wesley Chapel · New Tampa · Sun City Center · Apollo Beach · Ruskin · Gibsonton · Wimauma · and throughout Florida
Free Same-Day Quote
Get Your Free 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
FAQs — Contractor Insurance Tampa FL
Frequently Asked Questions
Is workers' comp required for a one-person Florida contractor?
Yes, in most cases. Florida construction employers with as few as one employee must carry workers’ comp. Even working alone, many GCs require workers’ comp on your COI before allowing you on site. FishHawk Insurance Center gets you compliant fast — including same-day coverage for Stop-Work Orders.
What GL limits do Tampa GCs typically require from subcontractors?
Most Tampa GCs require $1M per occurrence / $2M aggregate minimum. Larger commercial or government projects often require $2M/$4M. GCs also typically require additional insured status and specific COI language. FishHawk Insurance Center reviews your subcontract requirements before you bind to make sure every field is right.
How quickly can you issue a COI for a new project?
Once your policy is bound, a COI can be issued the same day — often within the hour. Call 813-776-1542 with the certificate holder’s name, address, and any additional insured or description-of-operations language your GC requires. For urgent needs, always call rather than email.
Do I need a surety bond in addition to insurance?
Yes — they serve completely different purposes. Insurance protects you against losses. A surety bond protects the other party if you fail to perform or comply with licensing requirements. Most Florida contractor licenses require a CILB bond. Most public projects require performance and payment bonds. FishHawk Insurance Center handles all bond types.
Can FishHawk help with an active Stop-Work Order?
Absolutely — and time is critical. Florida DFS fines accumulate at $1,000/day or 2× the annual workers’ comp premium. Call 813-776-1542 immediately. FishHawk Insurance Center treats SWOs as emergencies and can often get coverage bound and the resolution process started the same day.
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