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Florida

Pressure washing insurance in Florida

Flannable is launching in Florida first. Licensed construction trades run through the DBPR, and the insurance minimums are set statewide by board rule — what changes county to county is who issues your licence and how.

What Florida actually requires

Registered and certified contractors file license and insurance proof with the Florida DBPR (Department of Business and Professional Regulation).
Insurance minimums are set statewide by board rule 61G4-15.003, not by counties: general and building contractors $300,000 public liability / $50,000 property damage; residential, plumbing, HVAC, roofing, pool and other specialty contractors $100,000 / $25,000.
Handyman, pressure washing, window cleaning and most cleaning work are not state-licensed trades in Florida, so no statutory minimum applies — the insurance you need is whatever your clients' contracts require, which is almost always $1M per occurrence.
What does vary by county is the licence itself: which specialty trades need a local Certificate of Competency, which board issues it, and the fees.
Florida requires workers' compensation in construction once you have one employee; sole proprietors can file an exemption (Form DWC 250).
Hurricane season makes completed-operations claims stickier — document jobs with photos and keep COIs for every commercial client.

Rules current as of August 2026 — always confirm with your county licensing board.

Florida questions

Does Florida require general liability for trade businesses?

Only for licensed trades, and the minimums come from board rule 61G4-15.003 — $300,000/$50,000 for general and building contractors, $100,000/$25,000 for specialty trades like plumbing and HVAC. If your trade isn't licensed at all (handyman, pressure washing, window cleaning) there is no legal minimum. Either way commercial clients almost always require $1M per occurrence, which is the number that actually decides whether you get the job.

Who enforces licensing in Florida?

The DBPR statewide through the Construction Industry Licensing Board, plus county boards that issue local Certificates of Competency for specialty trades.

Do I need insurance to pressure wash houses?

Most states don't mandate it, but almost every commercial contract and many residential clients require a COI first. Some counties also require it for a business license.

Does insurance cover paint I accidentally strip?

Yes — damage you cause to the property you're working on is the core of general liability. Insurers will expect you to follow equipment PSI guidelines.

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