Handyman 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
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.
Do handymen legally need insurance?
Usually no state law requires it, but most property managers, HOAs, and commercial clients demand a certificate of insurance before you set foot on site. In practice, no insurance means no bigger jobs.
What drives the price of handyman insurance?
Your trade classification first, then payroll, claims history, and state. The same handyman work can price very differently depending on which tasks you declare — roofing or electrical work moves you into a costlier class, so classify honestly and get the real number from a quote rather than a published average.