What are the mandatory COI insurance limits for a Plumbing & Mechanical Contractor 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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Plumbing & Mechanical Contractor 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 Plumbing & Mechanical Contractor are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Water Damage Legal Liability🛡️ Hot Work Torch Permit Endorsement🛡️ Completed Operations CG 20 37

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