Contractors Insurance in Fort Myers, FL & Cape Coral, FL
Every project comes with its own set of financial challenges and risks. At Wilcox Family Insurance Company, our team is dedicated to helping general contractors, subcontractors and construction professionals across Florida secure the right insurance coverage for their businesses and employees.
Why Contractors Insurance Matters
Working in construction often means facing daily risks, including property damage, workplace injuries or unexpected legal claims. Contractors insurance is designed to help your business account for these risks, so you can focus on getting the job done. Without proper coverage, a single incident could lead to costly setbacks or even threaten your company’s future.
Key Coverages for Florida Contractors
Our contractors insurance solutions can be tailored to meet the unique needs of your business. Common coverages include:
- General liability insurance helps cover against third-party claims of bodily injury, property damage or personal injury that may occur on the job site or as a result of your operations.
- Workers’ compensation is required in Florida for most contractors. This coverage helps pay for lost wages and other losses if an employee is injured at work.
- Commercial auto insurance covers vehicles used for business purposes, including trucks, vans and trailers, and is also typically required by law.
- Tools and equipment coverage helps replace or repair tools and equipment if they’re stolen, lost or damaged.
- Professional liability (errors and omissions) covers against claims of negligence or mistakes in your professional services.
Who Needs Contractors Insurance?
If you’re a general contractor, subcontractor, electrician, plumber, roofer or other construction professional in the Fort Myers area, having the right insurance is essential. Many clients and project owners require proof of coverage before work begins, and Florida law may mandate certain policies depending on your trade and workforce size.
How Our Team Supports Local Contractors
At Wilcox Family Insurance Company, we understand the financial risks faced by contractors in Florida. Our experienced agents work closely with you to assess your exposures, explain your options and build policies that fit your business and budget.
Contact us today to discuss your insurance needs and get a personalized quote.