Florida roofing contractor insurance requirements

What Florida law and licensing authorities require of roofing contractors — insurance, bonds, and workers' compensation. 2 of 2 rows below carry a machine-verified quote from an official source; the rest say so honestly. Last checked 2026-09-05.

This page lists requirements published by official sources, with the exact wording and a check date on every verified row. It is not legal or insurance advice, and it does not cover city or county rules — always confirm with the linked official source.

Public liability + property damage insurance (license-tied) verified 2026-09-05	To be certified or registered as a Florida construction contractor, the applicant must attest to having workers' compensation coverage, public liability insurance, and property damage insurance — in amounts set by board rule (Florida Statutes §489.115). The board-rule amounts are not machine-fetchable; get them from the Construction Industry Licensing Board. Source: Florida Statutes §489.115 (official — Online Sunshine, leg.state.fl.us) exact wording on the official page “the applicant has obtained workers’ compensation insurance as required by chapter 440, public liability insurance, and property damage insurance for the safety and welfare of the public, in amounts determined by rule of the board”
Workers' compensation verified 2026-09-05	Construction-industry employers: required with one or more employees (owner-officers count). Outside construction: required with four or more employees. Source: Florida CFO, Division of Workers' Compensation — coverage requirements exact wording on the official page “Construction Industry Employers with one or more employees, including the owner of the business who are corporate officers or Limited Liability Company (LLC) members, must have workers' compensation coverage.” “Non-Construction Industry Employers with four (4) or more employees, including business owners who are corporate officers or Limited Liability Company (LLC) members, must have workers' compensation coverage.”

Public liability + property damage insurance (license-tied)
verified 2026-09-05

To be certified or registered as a Florida construction contractor, the applicant must attest to having workers' compensation coverage, public liability insurance, and property damage insurance — in amounts set by board rule (Florida Statutes §489.115). The board-rule amounts are not machine-fetchable; get them from the Construction Industry Licensing Board.
Source: Florida Statutes §489.115 (official — Online Sunshine, leg.state.fl.us)

exact wording on the official page

“the applicant has obtained workers’ compensation insurance as required by chapter 440, public liability insurance, and property damage insurance for the safety and welfare of the public, in amounts determined by rule of the board”

Workers' compensation
verified 2026-09-05

Construction-industry employers: required with one or more employees (owner-officers count). Outside construction: required with four or more employees.
Source: Florida CFO, Division of Workers' Compensation — coverage requirements

exact wording on the official page

“Construction Industry Employers with one or more employees, including the owner of the business who are corporate officers or Limited Liability Company (LLC) members, must have workers' compensation coverage.”

“Non-Construction Industry Employers with four (4) or more employees, including business owners who are corporate officers or Limited Liability Company (LLC) members, must have workers' compensation coverage.”

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Official sources for this page

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