FL Construction Insurance — GL & WC

Complete coverage for Florida construction projects: builders risk, general liability, and workers comp. Same-day certificates for your next bid.

Frequently Asked Questions

What's included in a builder's risk insurance policy?

Builder's risk covers the structure under construction, materials stored on-site, temporary structures, scaffolding, and equipment used in construction. It protects against fire, theft, vandalism, wind, and other covered perils. It typically covers materials in transit and stored off-site. Coverage begins when materials arrive on-site and ends when the project is complete, occupied, or the owner's property insurance takes effect.

Who should purchase builder's risk insurance—owner or contractor?

Either party can purchase builder's risk, but it's typically specified in the construction contract. General contractors often buy it and include the cost in their bid. Property owners sometimes purchase it directly for large projects. The policy should name all parties with an insurable interest—owner, general contractor, subcontractors, and lender—as named insureds or additional insureds.

Does builder's risk cover design errors and construction defects?

No, builder's risk only covers physical damage to the project from covered perils (fire, theft, weather). It doesn't cover faulty workmanship, design errors, or construction defects. You need professional liability insurance (for design errors) and completed operations coverage (for defective work claims after project completion). General liability covers accidents during construction but not defective workmanship itself.

What is installation floater coverage?

Installation floater (also called rigging coverage) protects materials, equipment, and fixtures during transit to the job site and while being installed. It covers damage during unloading, hoisting, positioning, and installation. This is crucial for expensive items like HVAC systems, elevators, glass, and specialty equipment. Builder's risk may not cover these items during the installation process—installation floater fills that gap.

Do I need pollution liability for construction projects?

Yes, especially for projects involving excavation, demolition, or soil disturbance. Pollution liability covers cleanup costs and third-party claims if your construction activities cause environmental contamination—fuel spills, asbestos disturbance, lead paint, or soil contamination. Standard general liability policies exclude pollution. Many project owners and lenders require contractors to carry pollution liability coverage.

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.