Certificate of Insurance
for Plumbing Contractors
Everything Florida plumbing 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 Plumbing Contractors in Florida
Required — 1+ employees; owners may file exemption
$1M / $2M standard
Florida plumbing license requires COI on file. Ghost policies accepted for sole proprietors.
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 — Plumbing Contractors
What insurance does a Florida plumbing contractor need on their COI?
Florida plumbing contractors typically need workers comp (or a valid owner exemption on file), general liability at $1M / $2M minimum, and commercial auto if they use vehicles for work. The Florida DBPR requires proof of coverage for license issuance and renewal.
Do Florida plumbing contractors need a COI to get licensed?
Yes. The Florida DBPR requires plumbing contractors to show proof of workers comp coverage or a valid exemption to obtain or renew their plumbing contractor license. A ghost policy is accepted for sole proprietors who have no employees.
What GL limits do Florida plumbing contractors need?
Standard GL limits for Florida plumbing contractors are $1M per occurrence / $2M aggregate. Some commercial projects and GCs require higher limits. Water damage claims are common in plumbing, so some carriers require specific endorsements for water damage liability.
How quickly can a Florida plumbing contractor get a COI?
Bright Coast Insurance can typically bind plumbing contractor coverage and issue a COI within 24–48 hours. For urgent license renewal or job start 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.