Working construction in Orlando means satisfying three gatekeepers before the work even starts: the permit office, the GC or property owner demanding certificates, and Florida’s licensing rules. Here’s what Orlando contractors carry and how to get it fast. Get multiple quotes within minutes.

What Orlando contractors need

• General liability — $1M/$2M is the standard ask on Orlando contracts, leases, and permits
• Workers’ compensation — required in FL construction from the FIRST employee — stricter than the 4-employee rule other industries get
• Commercial auto — work trucks and trailers need commercial coverage, not personal auto
• Tools & equipment — jobsite theft is a real Orlando exposure; cover the gear in transit and overnight
• Umbrella — for GCs, municipal work, and contracts demanding higher limits

Orlando licensing, permits & COIs

Orlando’s construction market runs hot — hospitality, entertainment, and residential all at once — and DBPR licensing plus Orange County permitting both expect current insurance. Big commercial GCs here are exacting about additional-insured wording; we match certificates to contract requirements line by line.

Trades we insure across Orlando

Plumbers, Electricians, HVAC, General contractors, Masonry, Painters — and every other trade we cover. Metro pricing reflects Central Florida’s hospitality-driven building boom, which is why comparing several carriers matters more here than almost anywhere in Florida.

Frequently asked questions

Do Orlando contractors need workers’ comp?

Yes — Florida’s construction industry has a stricter rule than other businesses: workers’ comp is required from the very first employee, and exemption paperwork for officers is tightly policed on jobsites.

Can I get a certificate of insurance the same day in Orlando?

Usually yes — most policies we place can issue certificates naming your GC, landlord, or the city as additional insured the day you bind coverage.

More for Orlando contractors: the Florida contractor insurance hub, and for the comp deep dive our sister site’s workers’ comp guide for Orlando. Get multiple quotes within minutes.