Contractors Insurance Jacksonville

Florida law requires Jacksonville contractors to carry work comp insurance on all active workers that are not legally exempt. In general, all employees, casual laborers or sub-contracted workers must be covered under a worker's compensation insurance policy while working for you as a general contractor. Listed below are some   of the important elements of contractors insurance for Jacksonville construction companies:

• Owner's Exemptions (Up to 3 owners can be exempt from work comp coverage)
• 1099 Exemptions (Exempt subcontractors or workers covered under another policy)
• Certificate of Insurance (COI must clearly state any work comp exemptions)
• Florida's Work Comp Database (Online at www.fldfs.com/wc or call 850-488-2333)
• Contractors Liability Insurance (Umbrella liability insurance and specific risks insurance)

A recent change to Georgia contractor's insurance requirements states that a Jacksonville contractor with Florida insurance coverage who also performs work in Georgia must obtain work comp insurance for state as well. Give an American Insurance Underwriters commercial insurance broker a call today at (904) 731-1866 to discuss your needs for contractors insurance.