Florida certificate of insurance requirements
Florida's construction-industry WC threshold of one employee is the strictest in the country. AOB reform, hurricane deductibles, and aggressive third-party litigation make COI verification more important in FL than in most states.
Auto liability minimums
$10,000 PIP / $10,000 PD (no BI requirement at state minimum); commercial typically $1M CSL.
Workers' compensation
Workers' compensation required for construction employers with 1+ employees and for non-construction employers with 4+ employees. Construction-industry threshold is the strictest in the U.S.
State-specific quirks
Any FL construction operation with even one employee — including officers not properly excluded — must carry WC. Verify on every construction COI.
Florida's 2019 and 2022 AOB reforms reshape claims handling for property and roofing risks; affects how claims notices on COIs are interpreted.
Many FL commercial property policies carry separate wind/named-storm deductibles. Confirm property COIs reflect actual coverage, not nominal limits with carve-outs.
Notable industry callouts
- Construction. 1-employee WC threshold means nearly every contractor needs WC; verify before issuing AI endorsements to GCs.
- Hospitality. Liquor liability and assault & battery coverage often required by venue contracts.
How COIflow handles it
Florida requirement profiles live alongside your contract and lease requirements in COIflow, so every cert your agency issues or verifies for a FL-based insured is checked against the right WC threshold, AI wording, and state-specific endorsement forms — without your CSRs having to remember the differences.
Disclaimer. This summary is for reference only. It is not legal advice and not coverage advice. Verify current statutes, regulations, and case law with licensed counsel and your carriers before relying on it for a specific risk.