Contractors & Construction Insurance in Florida & Virginia
Insurance That Works as Hard as You Do
Whether you’re a general contractor, subcontractor, or skilled tradesman, protecting your business is essential. From jobsite accidents to equipment theft, construction comes with risks that can put your livelihood on the line.
At Pelican Shield Insurance Group, we provide straightforward, reliable insurance solutions built for contractors and construction professionals in St. Petersburg, Tampa Bay, and across Florida and Virginia. We help you secure the right protection - without the runaround - so you can focus on building with confidence.
Why Contractors Need Specialized Coverage
In construction, even a small accident can lead to big financial setbacks. A single claim can stall a project, strain your cash flow, or spark costly lawsuits. The right insurance doesn’t just check a compliance box - it keeps your business moving forward.
That’s where we come in. Our team understands the unique risks contractors face, from liability and workers’ comp requirements to safeguarding tools, vehicles, and unfinished projects.
Essential Insurance for Contractors & Construction Businesses
Construction work comes with high-risk exposures, making industry-specific insurance coverage essential. The right policies protect your company from financial loss and keep you compliant with state regulations.
Protects your business if someone is injured or property is damaged due to your operations. This coverage helps pay for medical costs, repairs, and legal defense.
Workers’ Compensation Insurance
Required in both Florida and Virginia, workers’ comp provides medical care and lost wage protection for employees injured on the job - while shielding your business from costly lawsuits.
Builders’ Risk Insurance
Covers damage to structures under construction from fire, theft, vandalism, or severe weather, keeping your projects financially secure until completion.
Covers company-owned trucks, vans, and heavy equipment against accidents, damage, or liability claims - so your crews and equipment stay on the road.
Tools & Equipment Insurance
Protects against theft, damage, or loss of your tools and machinery, so you can replace what you need quickly and keep your projects on schedule.
Why Contractors Choose Pelican Shield Insurance Group
Compliance Support You Can Count On
We assist in reviewing subcontractor Certificates of Insurance (COIs) and agreements to confirm they align with your policy standards - helping you stay compliant and avoid costly gaps in coverage.
Fast Turnaround You Can Count On
Our goal is to provide a 1-business-day turnaround on COI reviews for our clients, so you can keep your projects moving without unnecessary delays.
Real-World Expertise
Our agency was built around industries like construction, contracting, and skilled trades. We understand the risks you face every day and design coverage that actually matches how you work - not just what a carrier wants to sell.
Contractors & Construction Insurance FAQs
Do contractors in Florida and Virginia need insurance by law?
In Florida, contractors with one or more employees must carry workers’ compensation insurance, while in Virginia, it’s required for businesses with two or more employees. General liability insurance is often required for contractor licensing in both states, and commercial auto coverage is mandatory if you use company vehicles.
Do subcontractors need their own insurance?
Yes. Subcontractors should carry their own general liability and workers’ comp. As a contractor, you can be held liable for uninsured subs, which is why we help review their COIs to ensure compliance.
What can I expect during Pelican Shield’s onboarding and service process?
We follow our structured Pelican Flight Path, a proven onboarding and accountability system designed for contractors and business owners. New clients receive a customized welcome kit, a dedicated onboarding meeting, and a 30-day quality check-in to ensure everything is on track. Beyond that, we provide ongoing value through monthly updates, quarterly or semi-annual business reviews, and proactive renewal planning well before your policy expires. With clear service standards - like 24-hour service request response and 4-hour claim support - you can count on a relationship that goes far beyond just writing a policy.
How much does contractor insurance cost in Florida and Virginia?
Insurance costs vary based on your trade, business size, number of employees, location, and claims history. For example, a residential painter in Richmond most likely will pay less than a Sarasota roofing company with a large crew. At Pelican Shield, we compare carriers to get you the right balance of coverage and price.
How can contractors lower their insurance premiums?
Contact UsContractors in Florida and Virginia can often reduce premiums by maintaining a strong safety record, enforcing jobsite safety programs, hiring licensed subcontractors, and implementing proactive risk management practices. Working with Pelican Shield, you also gain an advocate who helps you structure policies effectively and uncover cost-saving opportunities - without ever sacrificing the coverage your business truly needs.
