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State files updated Oct 27, 2026
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Florida contractor license bondInsurance and workers' comp

No surety bond is required to be certified.1 General and Building contractors: at least $300,000 public liability and $50,000 property damage, attested on the application.2

Bond and insurance by trade in Florida

TradeBondInsuranceWorkers' comp
General contractorNo surety bond is required to be certified.1General and Building contractors: at least $300,000 public liability and $50,000 property damage, attested on the…2Workers' compensation under ch. 440 is required, or an exemption from the Division of Workers' Compensation.1
ElectricalNo surety bond requirement for certification.4Public liability $100,000 per person and $300,000 per occurrence plus $500,000 property damage, or a $800,000 combined…4Workers' compensation or an exemption under s. 440.05 before contracting, or an attestation to obtain the exemption…4
Plumbing, HVAC and roofingNo surety bond is required to be certified.1Other certified categories (plumbing, roofing, air-conditioning): at least $100,000 public liability and $25,000…2Workers' compensation under ch. 440 is required, or an exemption from the Division of Workers' Compensation.1

How much is the contractor bond in Florida?

No surety bond is required to be certified. Financial responsibility is shown by a credit report (score 660 or higher, or a 14-hour board-approved financial responsibility course if lower) and may be shown by bond in alternative cases set by Board rule.1

What general liability insurance does Florida require?

General and Building contractors: at least $300,000 public liability and $50,000 property damage, attested on the application. Other certified categories: $100,000 and $25,000.2

Can a Florida contractor be exempt from workers' comp?

Workers' compensation under ch. 440 is required, or an exemption from the Division of Workers' Compensation; applicants attest they will obtain the exemption within 30 days of licensure (489.115(5)).1

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. Construction Industry Licensing Board (DBPR CILB): bond (leg.state.fl.us, 2026-10-27)
  2. Construction Industry Licensing Board (DBPR CILB): insurance (www2.myfloridalicense.com, 2026-10-27)
  3. FL DBPR construction license extract (CONSTRUCTIONLICENSE_1) (www2.myfloridalicense.com, 2026-10-27)
  4. Electrical Contractors Licensing Board (DBPR ECLB): electrical bond (www2.myfloridalicense.com)