Which insurance policy is typically required for general contractors in Florida?

General liability insurance is crucial for general contractors in Florida as it provides coverage for a range of potential risks associated with construction projects. This type of policy typically protects contractors from claims related to bodily injury, property damage, and personal injury caused during the course of their business operations.

Having general liability insurance is not only a sound risk management strategy but is often a requirement for contractors to obtain necessary licenses and permits for their work. Additionally, many clients and project owners expect contractors to carry this insurance to ensure that they are protected against unforeseen incidents that may occur on the job site.

While professional liability, workers' compensation, and building insurance are also important in various circumstances—such as protecting against errors in professional services, covering employee injuries, and safeguarding the building itself—they do not address the broad scope of liabilities that general liability insurance is designed to cover in the context of general contracting.