TradeGuardFlorida subcontractor insurance & compliance requirements
If you're a general contractor hiring subcontractors in Florida, here are the certificates and documents you should collect and keep current, and how TradeGuard tracks them automatically.
Documents to collect from subcontractors in Florida
The core compliance documents a GC should require and keep current for each sub.
Statewide certified or locally registered license required
Certificate of Insurance for General Liability coverage
Certificate of Insurance for Workers Compensation coverage, required for any sub with employees
Required for tax reporting on payments over $600
Required by county/municipality in addition to state license
Required on many public and private commercial projects
Required on public works projects over threshold
Required alongside performance bond on public projects
Required when bidding on public construction contracts; guarantees contractor will honor the bid if awarded
State-required surety bond posted as part of contractor license or registration; collect certificate from sub
Florida DBPR licenses Certified Contractors (works statewide) and Registered Contractors (works locally). All GC and sub trades must hold appropriate state license.
Florida is under federal OSHA jurisdiction.
Surety bond or cash deposit required. Amount varies by license type.
- DBPR: Florida Dept of Business & Professional Regulation
- CILB: Construction Industry Licensing Board (under DBPR)
- FDFS: Florida Dept of Financial Services (Workers Comp)
Summary for Florida
Florida actively enforces unlicensed contractor laws. Workers comp required for construction employers with 1+ employees. Federal OSHA applies.
Track all of this automatically in Florida
TradeGuard collects every subcontractor's COI, license, and OSHA docs, flags Florida compliance gaps, and warns you before anything expires. Stop tracking it in a spreadsheet.
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Florida compliance FAQ
Do subcontractors need a contractor license in Florida?+
Florida DBPR licenses Certified Contractors (works statewide) and Registered Contractors (works locally). All GC and sub trades must hold appropriate state license.
Does Florida follow federal OSHA or a state OSHA plan?+
Florida is covered by federal OSHA. Subcontractors on active job sites are typically expected to carry OSHA 10/30 training.
Is a surety bond required for contractors in Florida?+
Yes. Surety bond or cash deposit required. Amount varies by license type.
This page is general information, not legal advice. Requirements change; confirm current rules with the relevant Florida agencies before relying on them.