General Contractor Insurance for Tampa FL
GL, workers' comp, bonds, builder's risk, auto and umbrella for Tampa general contractors, with limits matched to your contracts.
Insurance built for the way general contractors work
As a GC you answer to project owners, lenders and your own crews, and you can carry risk for your subs too. We build one coverage program that meets every contract requirement.
- Broad GL for all GC operations, $1M/$2M standard
- Additional insured for project owners and lenders
- Legal defense from day one
- Workers' comp for all GC employees
Coverage for Tampa general contractors
General Liability
Broad GL with completed operations, $1M/$2M standard and higher limits available.
Workers' Compensation
Covers all GC employees and includes employer's liability (Part B).
CGC License Bond & Project Bonds
Your license bond plus performance and payment bonds, managed as one program.
Builder's Risk Insurance
Covers a structure under construction against physical damage during the build.
Commercial Auto & Fleet
Coverage for the trucks and vehicles your company runs between job sites.
Umbrella Liability
Extra limits on top of GL and auto, often required by commercial project owners.
- $1M/$2MMinimum GL for most residential and smaller commercial jobs
- $2M/$4MOften required by commercial owners, banks and agencies
- $2M-$5MUmbrella limits Tampa project owners increasingly require
You can be responsible for subcontractors who are not insured
Florida's statutory employee doctrine can put their workers' comp claims on you. We help you set up subcontractor insurance verification.
What your GC program covers
Why Tampa Bay general contractors choose FishHawk
We review your contract requirements before recommending limits, then keep your certificates and bonds moving so jobs never wait on paperwork.
- Independent broker comparing multiple carriers for your firm
- Same-day COIs for owners, lenders and new projects
- Stop-Work Order help when you need it fast
- Tampa Bay local, working with GCs across the area
Covered in 3 simple steps
Tell us about your trade
Share your projects, crew size and the insurance and bond terms in your contracts.
We shop multiple carriers
We compare rates and coverage from multiple carriers and recommend the right limits.
Bind coverage and get your COI
Pick your program, we bind it, and your certificates go out to owners and lenders.
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.