General liability pays when your business injures someone or damages their property. Most contracts and commercial leases require $1 million per occurrence and $2 million aggregate. We are an independent agency in Pompano Beach. We shop 15+ carriers, quote for free and issue certificates the same day.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
The Construction Industry Licensing Board requires every state-certified contractor to carry public liability and property damage insurance.
| License type | Liability | Property damage |
|---|---|---|
| General contractor | $300,000 | $50,000 |
| Building contractor | $300,000 | $50,000 |
| Residential contractor | $100,000 | $25,000 |
| Roofing, plumbing, mechanical, A/C, pool, sheet metal | $100,000 | $25,000 |
| Specialty contractors (unless listed otherwise) | $100,000 | $25,000 |
These are state minimums. Most general contractors, property managers and public jobs require $1 million per occurrence and $2 million aggregate. Source: Fla. Admin. Code R. 61G4-15.003.
| Claim | Policy that pays |
|---|---|
| A customer slips in your shop | General liability |
| Your crew damages a client’s property | General liability |
| Your own employee gets hurt | Workers’ compensation |
| Your work vehicle causes a crash | Commercial auto |
| Your building or equipment is damaged | Commercial property or a BOP |
| You redo your own faulty work | Not covered by general liability |
Send what you have to hello@byamericainsurance.com or request a quote. Contractors: see contractor insurance and read what a certificate of insurance proves.
Most contracts and commercial leases require $1 million per occurrence and $2 million aggregate. We read what your agreements demand, then size your limits from there.
Yes. A state-certified contractor must carry public liability and property damage insurance. General and building contractors need at least $300,000 liability and $50,000 property damage. Residential and most specialty contractors need $100,000 and $25,000. Most general contractors and clients ask for $1 million.
Same day in most cases. Send us the holder’s exact name, address and any required wording, and we issue it.
No. Injuries to your own employees fall under workers’ compensation. General liability responds to claims from customers, vendors and the public.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.
