Question 1

Is workers' compensation required in Florida?

Accepted Answer

Yes. Florida requires workers' comp for 4+ employees (construction: 1+). Non-compliance can result in fines, stop-work orders, and personal liability for employee injury lawsuits.

Question 2

What is the minimum general liability limit in Florida?

Accepted Answer

Most Florida businesses carry at least $300,000 in GL coverage per occurrence. Commercial leases and client contracts often require $1M–$2M aggregate. Higher-risk industries and government contracts may require $5M+ in coverage.

Question 3

How much does business insurance cost in Florida?

Accepted Answer

Business insurance costs in Florida vary by industry and revenue. Most small businesses pay $50–$500 per month for general liability. Get a free quote to see your exact rate.

Question 4

Do contractors need a license in Florida?

Accepted Answer

Construction requires WC from 1 employee

Question 5

Florida-specific insurance requirements — what should I know?

Accepted Answer

Construction requires WC from 1 employee DBPR license required for contractors High litigation state — higher premiums typical

Question 6

Can I get proof of insurance instantly in Florida?

Accepted Answer

Yes. NEXT Insurance provides an instant certificate of insurance (COI) after you buy your policy online — no agent call required. Most Florida businesses are covered and have their COI in under 10 minutes. You can share it digitally with clients and general contractors.

Business Insurance in Florida

Insurance Requirements in Florida

Workers Comp

GL Minimum

Key Requirement

Florida-Specific Requirements

Insurance by Industry in Florida

Get Covered in Florida — 10 Minutes Online

Business Insurance FAQs — Florida