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Florida

Electrician insurance in Florida

Flannable is launching in Florida first. Statewide construction trades run through the DBPR; many trades also carry county-level licenses with their own insurance minimums.

What Florida actually requires

Registered and certified contractors file license and insurance proof with the Florida DBPR (Department of Business and Professional Regulation).
Counties commonly require $100K/$300K general liability minimums for specialty trade licenses — check your county's contractor licensing board.
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 July 2026 — always confirm with your county licensing board.

Florida questions

Does Florida require general liability for trade businesses?

The state ties insurance proof to contractor licensing, and counties commonly set $100K/$300K minimums for specialty licenses. Commercial clients almost always require $1M regardless of the legal minimum.

Who enforces licensing in Florida?

The DBPR statewide, plus county licensing boards for specialty trades.

Is insurance required to get an electrical license?

In most states, yes — proof of general liability (often $300K–$1M) is part of contractor licensing, and Florida county licenses commonly require it.

Why is electrician insurance pricier than handyman insurance?

Risk class. A bad outlet can burn a building down years after the invoice was paid. Completed-operations exposure is priced in.

Electrician coverage in Florida → Tell us about your work