General liability
Review injury and property-damage claims involving your work, including completed operations. Describe every trade and any subcontracted work.
Construction Insurance in Naples and Southwest Florida
Your insurance needs follow the work: the trades you perform, the people on-site and the contracts you sign. PRK helps contractors in Naples and Southwest Florida organize coverage before the next project begins.
Based in Naples · Serving Southwest Florida · Personal guidanceWhat to compare in your construction coverage
Use these points to compare the protection, conditions and costs behind the quote.
Workers’ compensation
Review Florida requirements for the business, owners and employees. Construction has different requirements from many other industries.
Work vehicles
Include trucks, vans, trailers, drivers and travel between jobs. Personal auto insurance should not be assumed to cover the operation.
Tools and equipment
Discuss owned, leased and rented equipment in storage, in transit and at job sites. Ask about theft conditions and scheduled-item limits.
Projects under construction
Ask whether builders risk or installation coverage is needed and who is responsible for arranging it under the contract.
Contracts and certificates
Bring additional-insured, waiver and completed-operations wording before starting work. A certificate alone does not create the required coverage.
Before you choose a policy
Describe the trade and the project clearly
Tell us whether you perform residential or commercial work, new construction or remodeling, and whether height, excavation, roofing or other specialized work is involved. An incomplete description can produce a quote that does not fit the work.
Review subcontractors before the job starts
Keep subcontractor agreements, insurance certificates and any exemption information organized. Confirm the applicable Florida workers’ compensation rules and the coverage required by the project owner or general contractor.
Read more: Florida workers’ compensation requirements for employers
What to have ready for your quote
Start with what you have. We can help identify any missing information.
- Business entity, licenses, trades and project descriptions
- Annual revenue, payroll and subcontractor costs
- Current policies, claims history and loss runs
- Vehicles, drivers, tools and equipment values
- Contracts, certificate requests and project dates
From your first question to your policy
- Describe your operationShare the business activities, people, property and any contract deadline.
- Compare the available optionsReview limits, deductibles, exclusions and any documents the insurer needs.
- Confirm the details before cover startsComplete the required steps and confirm the effective date before relying on the policy.
A Naples team serving Southwest Florida
PRK Insurance Florida serves Naples, Bonita Springs, Estero, Fort Myers and Marco Island from our Naples office. Our Florida location opened in 2026; the PRK team’s insurance experience dates to 2004.
Contact our team
999 Vanderbilt Beach Rd Ste 300
Naples, FL 34108
239-799-5884 · Contact PRK
Questions before you buy
Is builders risk the same as general liability?
No. Builders risk concerns insured property during construction; general liability addresses certain claims against the business. Review who must arrange each under the contract.
Can a certificate satisfy an additional-insured request?
Only the policy and any applicable endorsement establish insured status. Share the full contract wording so the actual coverage can be reviewed.
Do owner exemptions settle all workers’ comp questions?
No. An exemption concerns the eligible individual and has conditions. Employees, subcontractors and project requirements still need review against Florida’s rules.
Let’s review your construction insurance
Share your current coverage, what has changed and when you need protection. Our Naples team will help you understand the available next steps.
Coverage, availability and eligibility depend on the insurer and policy. A quote request does not bind coverage; confirm your effective date and policy terms with our team.