Insurance Requirements

Subcontractors must maintain insurance with coverage, including contractual liability, in amounts as specified by FIRST FLORIDA and shall furnish certificate(s) to FIRST FLORIDA before work is begun. Insurance certificates shall provide that policy(s) may not be changed or canceled without at least thirty (30) days written notice to FIRST FLORIDA. FIRST FLORIDA, Owner and Architect/Engineer and agents and employees shall be named as additional insured on policy(s). Unless otherwise stipulated in the specifications or in this Agreement, the minimum limits of coverage shall be:

  • Workers’ Compensation — Statutory minimum;
  • Employer’s Liability (Coverage B) — $500,000:
  • Commercial (or Comprehensive) General Liability, Bodily Injury — $1,000,000 per person/$1,000,000 per occurrence; Property Damage — $500,000 per occurrence;
  • Automobile Liability — $1,000,000 combined single limit, bodily injury and property damage.

Subcontractor must advise FIRST FLORIDA if any coverage is provided on a “claims made” basis.


First Florida reserves the right to suspend any Subcontractor that fails to comply with all insurance requirements. As per the Subcontract Agreement signed by both parties, all Subcontractors are contractually obligated to provide valid General Liability and Worker’s Compensation. Initial payment will be held until insurance requirements are met. Insurance without prompt renewal