What are the mandatory COI insurance limits for a Commercial Painting & Wallcovering in Florida?

Standard general contractors and commercial projects in Florida require $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 umbrella coverage per Florida Department of Business and Professional Regulation (DBPR) guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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Commercial Painting & Wallcovering COI Requirements in Florida

Verified compliance checklist for subcontractors operating in Florida under Florida Department of Business and Professional Regulation (DBPR).

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$1,000,000
Workers' Compensation	Mandatory with 1+ employee in construction (FS 440)
Regulatory Oversight	Florida Department of Business and Professional Regulation (DBPR)

Mandatory High-Risk Endorsements

Subcontractors in Commercial Painting & Wallcovering are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Spray Painting Overspray Coverage🛡️ Heights & Scaffolding Endorsement🛡️ Waiver of Subrogation CG 24 04

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