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Florida

Pressure washing 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.

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.

Pressure washing coverage in Florida → Tell us about your work