One program, not a pile of policies
Running a contracting business means your insurance gets read by other people — GCs, property owners, permit offices, lenders. If the pieces were bought at different times from different places, they disagree with each other, and you find out at the worst moment: when a packet gets rejected or a claim lands between two policies.
We build the whole program as one coordinated set. Your GL limits match your contracts, your comp class codes match your real payroll, your auto and tools coverage match how your crews actually work — and every certificate we issue reports it all accurately.
Built for Florida trades
General contractors, roofers, electricians, HVAC, plumbers, painters, remodelers, concrete and flooring crews, landscapers — if your office is a truck and your conference room is a jobsite, this program is built for you. One team, here in Brandon, that knows the contracts Florida GCs are putting in front of you.
The lines — and where each one goes
What coordination gets you
- Limits that match the contracts you actually sign
- Certificates that pass the GC's review the first time
- Class codes and payroll kept clean all year — no audit surprises
- One call for every line when a job changes mid-stream
What it can't fix
- A sub's own missing coverage — their policy is their job (we help you check it)
- Faulty workmanship itself — no policy pays to redo your own work
- A lapsed policy — coordination only works while everything is in force
- Contracts signed blind — send us the requirements before you sign, not after
What the whole program is priced on
Each line is rated on its own drivers, but the same facts run through all of them — which is why one honest conversation can price the entire program:
- Your trades and class codes — the risk profile of the work itself
- Your annual revenue and payroll, split the way you actually run crews
- The limits and endorsements your contracts demand
- Your claims history across all lines, over the past three to five years
- Your vehicles, your drivers, and how far your crews travel
A Brandon GC wins a tenant build-out. The contract wants $1M/$2M GL with additional insured and waiver of subrogation, workers' comp for the whole crew, and certificates issued to both the owner and the lender. Because the program was built together, every number matches the first time — no rejected packet, no delayed start, no scramble.
Meet the office — before you call
That's William at our Brandon office — the person who answers when you call or text (813) 716-6902, in English or Spanish.
Questions contractors ask us
I'm just starting out — what do I buy first?
General liability and workers' comp are the foundation, and they're what contracts require first. Auto, tools, builders risk, and umbrella layer in as your jobs demand them. We sequence it so you're never paying for coverage before you need it.
Can you handle insurance for my crew and my subs?
Your crew rides on your workers' comp policy. Subs carry their own coverage — and we help you collect and check their COIs, so a sub's gap never becomes your claim.
Do you work in Spanish?
Yes — our team is bilingual, this entire site works in Spanish, and so do our quotes, certificates, and claim help. Whatever language you're most comfortable in is the language we work in.
How do we start?
One short form or one call. Tell us your trade, your crew size, and the jobs you're chasing — we'll quote the full program and review your next contract's insurance requirements free.