Tampa Contractors Insurance
Whether you’re building homes in Westchase, remodeling offices in Ybor, or running a plumbing business in Brandon, contractors in Tampa face a wide range of risks. At Pelican Shield Insurance Group, we provide insurance options tailored to the challenges and requirements of construction businesses throughout the Tampa Bay area.
Build With Confidence in Tampa’s Fast-Growing Market
Tampa’s rapid development brings big opportunities—but also increased liability. From job site injuries and property damage to equipment theft or contract disputes, a single incident can stall your project or strain your finances.
We help contractors, subcontractors, and specialty trades across Hillsborough County secure insurance policies that support jobsite requirements, licensing compliance, and day-to-day risk management. Whether you’re taking on residential builds in South Tampa or commercial renovations near the Riverwalk, we’ll help protect what keeps your business running.
Essential Insurance for Tampa Contractors & Trades
With construction booming in and around Tampa, having the right mix of policies is critical for staying compliant and protecting your projects.
Covers claims of third-party bodily injury or property damage—essential for contractors bidding on projects throughout Tampa and required for many local permits.
Workers’ Compensation Insurance
Florida mandates coverage for most construction businesses with one or more employees. This policy helps pay medical bills and lost wages after workplace injuries.
Builders’ Risk Insurance
Covers damage to structures under construction due to fire, theft, vandalism, or storms—especially valuable during Tampa’s summer storm season.
Covers work trucks, vans, and trailers used for transporting materials or traveling to job sites in places like Carrollwood, Seminole Heights, or Plant City.
Tools & Equipment Insurance
Helps replace stolen or damaged equipment—a real concern for contractors working on multiple job sites or storing gear in transit.
Why Tampa Contractors Work With Pelican Shield Insurance Group
Fast COI Delivery for Permit & Project Needs
Need a certificate of insurance to pull a permit or start a job in Hillsborough County? We aim for 1-business-day turnaround so nothing slows you down.
Coverage That Keeps Up With Project Demands
From residential remodels near Davis Islands to commercial buildouts in Midtown Tampa, we help tailor coverage to your project size, contract terms, and crew needs.
Flexible Options for Growing Teams & Equipment
We offer scalable policies for growing crews, fleets, or tool investments—so you’re not constantly starting from scratch as your business grows.
Tampa Contractors Insurance
FAQs
What insurance is required for contractors in Florida?
In Florida, construction businesses must carry workers’ compensation insurance with just one employee. General liability is not always legally required but is typically mandatory for local licensing and contract bids in the Tampa area.
Does Tampa require special coverage for hurricane-related damage?
Standard property or builders’ risk policies may exclude wind or flood damage, depending on where your projects are located. We help you add coverage appropriate for storm-prone areas like South Tampa and New Tampa.
Can subcontractors be covered under my liability policy?
Not always. Many general liability policies exclude subcontractors unless they carry their own coverage. We assist in reviewing subcontractor COIs to help you avoid gaps and stay compliant on Tampa projects.
What’s the benefit of tools & equipment coverage?
Construction tools are frequent theft targets, especially when left in trailers or on active job sites. This policy helps you replace stolen or damaged gear quickly so your crew stays productive.
How much does contractors insurance cost in Tampa?
Premiums vary based on your trade, crew size, jobsite exposure, and coverage needs. Contractors in higher-risk trades like roofing or electrical work may see higher rates than those in general remodeling or finish work.
