Contractor Insurance for Tampa Bay Companies, Built for Your Class Code
General liability, workers' comp, bonds, auto, tools and builder's risk for Tampa Bay contractors, built around your trade and class code.
Every contractor insurance policy we write
General contractor
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Learn moreConcrete contractor
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Learn moreHandyman
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Learn moreGeneral liability
Learn moreWorkers' compensation
Learn moreSurety bonds
Learn moreEvery line your contracting business needs, in one package
We place all your contractor coverage together through one independent Tampa Bay broker, so your limits, bonds and certificates line up with what your GCs and project owners require.
- Workers' comp for employers with as few as one employee
- GL limits matched to your subcontract requirements
- Same-day COIs once your policy is bound
- Emergency help with Stop-Work Orders
Complete contractor insurance
One broker for every policy and bond, so nothing falls through the gaps between carriers.
General Liability Insurance
Third-party injury and property damage claims, with limits set to what your GCs require.
Workers' Compensation
Required for Florida construction employers with as few as one employee, and often by GCs.
Surety Bonds
CILB license bonds, plus performance and payment bonds for public projects.
Commercial Auto Insurance
Coverage for the trucks and work vehicles your business puts on the road.
Inland Marine / Tools & Equipment
Protects the tools, equipment and job-site machinery you rely on every day.
Builder's Risk Insurance
Covers a structure under construction against physical damage during the build.
- $1M/$2MTypical minimum GL limits Tampa GCs require from subs
- $2M/$4MOften required on larger commercial or government jobs
- $1,000/dayFlorida DFS Stop-Work Order fines can accumulate
- Same dayCOI issued once bound, often within the hour
Contractor insurance for every Tampa Bay trade
Coverage built around your class code, whatever work you do.
Insurance protects you. A surety bond protects the other party.
They serve completely different purposes, and most Florida contractors need both. We handle every bond type alongside your insurance.
Why Tampa Bay contractors choose FishHawk
We are an independent broker, not tied to one carrier, and we treat contractor deadlines like they matter, because to you they do.
- Independent broker: multiple carriers compared for your trade
- Tampa Bay local, serving contractors across the area
- Same-day COIs with the exact wording your GC asks for
- Stop-Work Order help: coverage bound and the fix started fast
Covered in 3 simple steps
Tell us about your trade
Call 813-776-1542 or fill out the form with your trade, crew size and contract requirements.
We shop multiple carriers
We compare rates and coverage from multiple carriers and apply the right class codes.
Bind coverage and get your COI
Pick your package, we bind it, and your certificate can be issued the same day.
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.