Construction
Insurance Solutions
Comprehensive coverage designed for the unique risks of construction projects, general contracting, and specialty trades.
Get a QuoteUnique Risks in Construction
Construction is one of the most hazardous industries in Florida. From ground-breaking to ribbon-cutting, every phase of a project introduces new exposures — worker injuries, property damage, equipment theft, and professional errors that can derail timelines and budgets.
General contractors, subcontractors, and specialty trades each carry distinct liability profiles. A single uninsured incident on a jobsite can result in lawsuits, contract penalties, and license jeopardy. Proper insurance is not just a regulatory checkbox — it is the foundation of a sustainable contracting business.
SMAART Insurance works with contractors of all sizes across Florida to build programs that match the scope of your projects and the complexity of your subcontractor relationships.
Key Industry Facts
- ■Florida requires workers' comp for contractors with 1+ employees in construction.
- ■Construction accounts for more than 20% of all workplace fatalities nationally.
- ■Equipment theft costs the construction industry $1B+ annually.
- ■Builders Risk policies must be in place before a project break-ground.
- ■Surety bonds are required for most public and many private construction contracts.
in insured construction losses were prevented last year through proper risk management and insurance coverage — protecting contractors from financial ruin.
Coverage Solutions for Construction
From general liability to surety bonds, we structure programs that keep your projects moving and your business protected.
General Liability
Protection against third-party bodily injury and property damage claims arising from your construction operations.
Learn MoreWorkers' Compensation
Coverage for employee work-related injuries and illnesses on the jobsite, as required by Florida law.
Learn MoreBuilders Risk
Protects buildings and structures under construction from damage due to fire, wind, theft, and vandalism.
Learn MoreCommercial Auto
Fleet coverage for trucks, vans, and equipment vehicles used in your construction operations.
Learn MoreEquipment / Inland Marine
Coverage for tools, machinery, and equipment whether on the jobsite, in transit, or in storage.
Learn MoreSurety Bonds
Performance and payment bonds that guarantee project completion and protect project owners.
Learn MoreUmbrella
Excess liability coverage that extends the limits of your primary policies for catastrophic claims.
Learn MoreProfessional Liability
Errors and omissions coverage for design-build contractors and construction managers.
Learn MoreWhy SMAART for Construction
Jobsite Risk Management
Our specialists analyze your project portfolio and subcontractor network to identify exposures before they become claims.
Regulatory Compliance
We ensure your coverage meets Florida's licensing and bonding requirements so you never lose a contract over a compliance gap.
Subcontractor Coverage
We help you verify and manage subcontractor insurance certificates to protect your business from upstream liability.
Frequently Asked Questions
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Free Consultation
Not sure what coverage you need?
Our licensed advisors will assess your risks and recommend the right protection — at no cost.
Call (305) 819-3675Protect Your Construction Business
Our construction insurance specialists are ready to build a program that covers every phase of your projects and every member of your team.
Get a Quote