Nowell Agency, Inc. > Insurance News > Thinking About Becoming a Florida Contractor? Insurance is an Essential Step

Thinking About Becoming a Florida Contractor? Insurance is an Essential Step

Handy Tips from the Team at The Nowell Agency

When you develop marketable skills in the trades, it makes sense to work for yourself. Some businesses are easier to start than others, while others require extra steps. Becoming a contractor in Florida is one of those businesses where you need to have certain steps in place, starting from day one. For example, is a contractor license required? It depends on your specialty; however, it makes sense to investigate and make sure you have what the government needs.

As you go through the process of obtaining your license, remember to protect your endeavor with the appropriate Florida contractor insurance. The knowledgeable brokers at The Nowell Agency aid plumbers, landscapers, and contractors in the state, and across the nation. We understand the unique requirements you have. Let’s work together to safeguard your company.

Types of Florida Contractor Licenses

You can be approved at the state level for one of two broad classifications:

  1. Certified – Allows you to work anywhere in the state of Florida.
  2. Registered – Allows you to work only within a specific local jurisdiction. You will need a certificate of competency issued by the jurisdiction in which you work.

You can apply for a specific type of license under a few different classifications that include:

  1. Building Contractor – Pertains to the construction, repair, remodel, or other improvements of commercial and residential buildings. They must be taller than three stories high.
  2. Residential Contractor – You can construct, repair, remodel, or improve homes that include one, two, and three-family dwellings. They cannot be more than two stories high.
  3. General Contractor – You are not limited to any specific building type to repair, alter, remodel or construct.

Requirements for Your Florida Contractor’s License

What will be required of you depends on the type of license you are trying to get. You can find out more by going to the Florida Construction Industry Licensing Board. In general, you can expect at least these items to be required:

  1. Be at least 18 years old.
  2. You have to prove you are financially solvent. You will have to show your FICO credit score and may need a surety bond.
  3. Submit an electronic fingerprint.
  4. Provide proof of insurance that includes general liability and workers’ compensation.
  5. Completed application.
  6. Pay all required fees.

Ensure You Have Your Insurance Bases Covered with Help from The Nowell Agency

Complete the necessary steps to obtain your contractor’s license and get ready to join the ranks of the entrepreneur. Every business owner needs someone they can depend on. Take some time to talk with the experienced brokers at The Nowell Agency. We sit down and walk you through the different types of insurance available, the kinds you should consider, and tailor a package for you. We have over 30 years of experience in the industry and are happy to help!

Call one of our offices near you to schedule a meeting with a knowledgeable and experienced broker at The Nowell Agency about obtaining Florida contractor insurance. Request a quote online.


The Nowell Agency is committed to providing you with fast and efficient service. If you would like a quote on any of our products please complete the short form below and click submit.

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    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.


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