Review your coverage before your next renewal. This 12-point checklist covers the most common gaps we find in contractor insurance programs across Florida.
We are putting together a downloadable PDF checklist for Florida contractors. Check back soon or contact us directly.
Contact UsEach item addresses a specific coverage area that Florida contractors should review before renewal or when starting a new project.
Are your per-occurrence and aggregate limits adequate for the contracts you are pursuing?
Is the additional insured endorsement included and does it meet your contract requirements?
Does your policy cover claims that arise after you finish a project and leave the jobsite?
Can you provide waivers of subrogation when contracts require them?
Are your employees classified under the correct NCCI codes for their actual duties?
Are you collecting and verifying certificates of insurance from every subcontractor?
Does your policy include hired and non-owned auto coverage for employee vehicles?
Does your umbrella policy follow form and sit over all of your primary coverages?
Are your tools and equipment covered at jobsites and in transit?
Who provides builders risk coverage on your projects, and does it include wind/hurricane?
Do you have calendar reminders set for all policy renewal dates to avoid lapses?
Are your payroll records, subcontractor payments, and class code documentation organized?
