Florida Construction Insurance Built Around Your Contracts
Florida Construction Insurance Built Around Your Contracts
Merchant Insurance, Inc builds construction insurance programs for Florida contractors around their actual jobs, contracts, crews, vehicles, and insurance requirements.
Construction contracts often dictate the coverage a contractor needs, including minimum limits, additional insured status, waivers of subrogation, and other requirements. Missing one of those details can delay a project before work begins.
Because construction accounts for roughly half of our business, we understand how to review these requirements and build contractor insurance around the work you're actually performing.
Construction Insurance for the People Who Build Florida
We work with general contractors, subcontractors, and skilled trades throughout Florida, including roofers, electricians, plumbers, HVAC contractors, concrete contractors, framers, and other construction businesses.

Whether you're bidding a new project, working under a GC, or managing multiple job sites, we help you secure construction insurance that meets contractual requirements rather than relying on a generic small business policy.
Construction Coverage Based on What You Actually Need
Homeowners often worry about whether their policy truly protects them from storm damage, liability issues, or costly repairs after an unexpected event. Our personalized approach helps families understand their coverage clearly while finding practical options that fit both their home and budget.
Home Insurance
Builders Risk Insurance
Protects buildings and structures during construction or renovation. For Florida projects, we can also help address hurricane and named-storm exposures based on the project and available coverage.
Contract & Certificate Insurance Requirements
We help interpret the insurance requirements in your construction contract, including limits, additional insured status, waivers of subrogation, and certificate requirements.
General Liability for Contractors
General contractor and subcontractor insurance for third-party bodily injury, property damage, and other covered liability exposures associated with your work.
Workers' Compensation for Contractors
Workers' compensation coverage for construction crews, including difficult-to-place classifications and businesses with more complicated claims histories.
Commercial Auto for Construction Businesses
Coverage for work trucks, trailers, and other vehicles used to move employees, equipment, and materials between job sites.
Why Florida Contractors Work With Us
01
We Read the Fine Print So Your Job Doesn't Stall
We review your construction contract's insurance requirements and build coverage to match, helping prevent insurance issues from delaying a job or certificate approval.
02
We Understand Difficult Construction Risks
Not every contractor fits neatly into a carrier's preferred box. We look deeper at your trade, operations, claims history, and job requirements to help find coverage for more complex or hard-to-place construction risks.
03
Construction Insurance Is a Core Specialty
Construction isn't a side offering for our agency. Roughly half of our business comes from construction accounts, giving our team experience with the insurance needs of general contractors, subcontractors, and specialized trades across Florida.
04
Certificates, Handled Fast
Once you're covered, getting a certificate of insurance shouldn't slow down your project. EasyCOI.com lets you generate the certificates your GC or property owner needs on your schedule.
05
Construction Insurance Across Florida
Once you're covered, getting a certificate of insurance shouldn't slow down your project. EZCOI lets you generate the certificates your GC or property owner needs on your schedule.
What Our Clients Are Saying
Two Florida Offices, One Team
Reach Our Team Directly
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Get Coverage That Matches Your Contract, Not Just Your Trade
Whether you're bidding a new job, starting a new project, or renewing contractor insurance that no longer fits your operations, we'll start with your contract and business requirements and build from there.