Prestige Insurance

Prestige Insurance

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Phone: (305) 969-8776


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Quotation forms for contractor insurance

Looking for coverage? Click on the following link to request a quote and get fast, accurate and affordable rates.

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Information About Insurance for Contractors

Contractors Insurance - Miami and Orlando, FL

We also offer service in Kendall, Doral, Coral Gables, Aventura and all of South Florida

What is contractor insurance?

Like any business, independent contractors need insurance to protect themselves financially. The type of insurance you need will depend on the type of work you do. Some types of independent contractors include the following:

  • Independent Building Contractors
  • Freelance writers, editors and graphic designers.
  • Repair of people, plumbers, carpenters, electricians, painters.
  • Accountants and financial planners.
  • Household and carpet cleaners
  • Independent stylists and salon professionals.

Contractors are like any other business. They need property insurance and general civil liability to minimize the basic financial risks of running a business. In addition, contractor insurance includes coverage designed for specific industry risks. Our agency can find a personalized policy that includes the most appropriate coverage for you.

If you are contracting with contractors, it is necessary that they have insurance for contractors. The insurance you have as a company or homeowner may not protect you from the responsibility of a contracted worker. This can expose you to legal claims if a worker is injured in your business or home.

What types of contractor insurance are available?

There is a wide variety of contractor insurance options. Here are the common coverages for independent contractors.

  • Personal injury and property damage: This coverage is for contractors who work with heavy machinery and need to be prepared for accidents due to power tools and other hazards.
  • Professional responsibility: For contractors who provide advice, this coverage can protect you from civil liability risks due to losses that a customer may experience. Protect your company's finances if a customer accuses you of mistakes, whether by mistake or negligence.
  • Commercial vehicle: Any vehicle owned by your company must comply with state auto insurance laws. You can also protect your vehicles from various damages.
  • Risks for builders: covers properties and raw materials while construction is underway. These types of policies are often generated per project.
  • Workers Compensation: Independent contractors may or may not need compensation for workers. This coverage compensates employees for medical expenses and lost wages after a work injury.

Start today!


We can find the best policies according to the size of your company, the number of employees and the type of work you do. Call Prestige Insurance Group, Inc. today at (305) 969-8776 to begin with a free contractor insurance quote.

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Insurance for Contractors