Certificate of Insurance
for HVAC Contractors
Everything Florida hvac 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 HVAC Contractors in Florida
Required — 1+ employees; owners may file exemption
$1M / $2M standard
HVAC contractors working on commercial buildings often need additional insured endorsements.
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 — HVAC Contractors
What insurance does a Florida HVAC contractor need on their COI?
Florida HVAC contractors typically need workers comp (or a valid owner exemption), general liability at $1M / $2M minimum, and commercial auto if they use vehicles. HVAC contractors working on commercial buildings often need additional insured endorsements naming the building owner or GC.
Do Florida HVAC contractors need a COI to get licensed?
Yes. The Florida DBPR requires HVAC contractors to maintain proof of workers comp coverage or a valid exemption as a condition of their contractor license. A ghost policy is accepted for sole proprietors with no employees.
Why do commercial HVAC projects require additional insured endorsements?
Commercial building owners and GCs require additional insured endorsements to ensure they are protected if an HVAC contractor's work causes property damage or injury. This endorsement must be added to your GL policy before the COI is issued. Bright Coast Insurance can add additional insured endorsements at binding.
How quickly can a Florida HVAC contractor get a COI?
Bright Coast Insurance can typically bind HVAC contractor coverage and issue a COI within 24–48 hours. For urgent job starts or license renewal deadlines, call us directly.
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.