Certificate of Insurance
for Framing Contractors
Everything Florida framing contractors need to know about COI requirements, coverage limits, endorsements, and how to get a certificate fast.
What's on a Florida Contractor COI?
A standard ACORD 25 certificate of insurance includes your policy details for each coverage line. Florida contractors typically need to show the following on their COI:
COI Requirements for Framing Contractors in Florida
Required — 1+ employees in construction
$1M / $2M standard; GCs may require $2M / $4M
Framing subs are closely scrutinized — GCs will verify COI dates match the project schedule.
COI Requirements by Florida County
County-specific requirements for contractor certificates of insurance in Florida.
Miami-Dade County
Workers comp required for all construction; GL $1M min; licensed contractors must maintain COI on file with county
Broward County
Workers comp required; GL $1M / $2M standard; additional insured required for county projects
Palm Beach County
Workers comp required; GL $1M / $2M; waiver of subrogation required for county contracts
Hillsborough County
Workers comp required; GL $1M / $2M; county projects require $5M umbrella
Lee County
Workers comp required; GL $1M / $2M; Lee County requires COI on file for all licensed contractors
Collier County
Workers comp required; GL $1M / $2M; Collier County projects often require $5M aggregate
Sarasota County
Workers comp required; GL $1M / $2M; Sarasota County requires additional insured endorsement for public works
Charlotte County
Workers comp required; GL $1M / $2M; Charlotte County follows standard Florida contractor requirements
COI FAQs — Framing Contractors
What insurance does a Florida framing contractor need on their COI?
Florida framing contractors typically need workers comp for all employees (no exemption for officers in construction), general liability at $1M / $2M minimum, and commercial auto if they use vehicles. GCs often require framing subs to carry $2M / $4M GL on larger residential projects.
Why do GCs scrutinize framing subcontractor COIs so carefully?
Framing is one of the higher-risk phases of construction. GCs are exposed to significant liability if a framing sub has a lapse in coverage during the project. Most Florida GCs will verify that the COI dates cover the entire project schedule and will require updated COIs if coverage lapses.
Do framing contractors need a COI to get a Florida contractor license?
Framing contractors who apply for a Florida contractor license must provide proof of workers comp coverage or a valid owner exemption. A ghost policy is accepted for sole proprietors with no employees.
How quickly can a Florida framing contractor get a COI?
Bright Coast Insurance can typically bind framing contractor coverage and issue a COI within 24–48 hours. For urgent job starts, call us directly — we work with carriers that offer same-day binding for qualified applicants.
What is a certificate of insurance (COI) in Florida?
A certificate of insurance (COI) is a one-page document that summarizes your insurance coverage — policy numbers, coverage types, limits, and effective dates. In Florida, contractors are required to provide COIs to general contractors, property owners, and licensing boards before starting work. A COI is not a policy; it is evidence that a policy exists.
What insurance is required on a Florida COI for contractors?
Most Florida general contractors and job sites require workers compensation insurance and general liability insurance at minimum. Commercial auto is often required if you use vehicles on the job. Some projects require additional insured endorsements, umbrella/excess liability, or specific coverage limits (e.g., $1M per occurrence, $2M aggregate).
How quickly can I get a COI in Florida?
With Bright Coast Insurance, most COIs are issued within 24–48 hours of binding coverage. For existing clients, we can issue a COI the same day via email. Rush COIs for urgent job starts are available — call us directly.
Need a COI Today?
Bright Coast Insurance issues certificates of insurance within 24–48 hours for new clients. Existing clients get same-day COIs on request.