Remodeling · Southwest Florida, FL
Fort Myers and Naples have run heavy hurricane rebuild and restoration volume in recent years. Out-of-state trade partners and elevated claim disputes make documentation especially important here.
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At audit time, the auditor compares the payroll you estimated to the payroll you actually paid. Any sub who can’t produce a certificate for the work they did can end up on your bill instead of theirs. Answer a handful of questions about your crews, your subs, and your payroll, and see where you stand before the audit does. Built for remodeling contractors who run 1099 crews.
Free. Takes about 90 seconds. No quote unless you ask.
Areas Covered
If your crews work anywhere in this part of Florida, an independent agent can quote you — including jobs that cross into neighboring regions.
Coverage Types
A complete program is usually six policies working together, not one general liability certificate.
Third-party bodily injury and property damage, including damage to parts of the home outside your scope. The policy your homeowner customers and their insurers will look to first.
Medical bills and lost wages for your crew, and the policy that absorbs uninsured trade-partner payroll at audit. Certificate discipline is the cheapest premium control a remodeler has.
Covers cabinetry, fixtures, flooring, and materials you've delivered or partially installed but haven't handed over. General liability won't respond when staged materials are stolen or damaged.
Covers tools and equipment on the job, in transit, and in the truck overnight — where they actually get stolen. A remodeler's tool investment is often larger than a specialty trade's.
Trucks, trailers, and dump runs between jobs and the yard, plus hired and non-owned auto for crew driving personal vehicles to sites.
Sits above general liability and auto. High-value residential work and any commercial or multi-family remodeling routinely push required limits past what a base policy carries.
Common Questions
It depends on scope. Residential, building, and general contractor licenses through the CILB cover progressively broader work, and each is issued as either certified for statewide practice or registered for specific local jurisdictions. All generally require proof of general liability coverage and either workers' compensation or a valid exemption.
Mold and fungi are commonly excluded or sublimited on general liability policies, and Florida's humidity makes moisture intrusion claims more likely than in most states. If you open up walls or do any water-damage repair, ask your agent specifically how mold is handled on the policy you're being quoted.
This is the central coverage question in remodeling and the answer depends heavily on policy wording. Damage you cause to other property is generally the kind of thing liability coverage addresses, while the cost of redoing your own defective work usually is not. Because renovation blurs that line constantly, it's worth reviewing the specific exclusions with a licensed agent rather than assuming.
At audit, what you paid that electrician or plumber is generally treated as your own payroll and you pay premium on it. How much depends on your records: labor-only work is typically included at a high percentage, labor and materials at a lower one when your invoices separate the two, and the full contract price when they don't.
Related:Chargeback Risk Score →
Often yes. Work disturbing lead paint in pre-1978 housing carries federal lead-safe practice obligations, and asbestos-containing materials are commonly excluded from standard general liability. If you regularly open up older homes, ask your agent specifically how pollution and lead exclusions are worded on your policy.
Tell us about your business and an independent agent licensed in Florida will reach out within one business day.
Nearby
Crews rarely stay inside one region. The Florida page has the licensing and workers' comp detail that applies statewide; the rest are the regions next to this one.
Other Trades
Plenty of shops run more than one trade. Here's Southwest Florida for the rest of what we cover.