Which insurance certificate should be obtained from a subcontractor before they begin work on a Florida construction project?
Correct Answer
B) General liability and workers' compensation
Florida requires subcontractors to carry both general liability insurance and workers' compensation coverage. These certificates must be current and name the general contractor as additional insured on the liability policy.
Why This Is the Correct Answer
Florida law mandates that subcontractors carry both general liability insurance and workers' compensation coverage before beginning work. General liability protects against property damage and bodily injury claims, while workers' compensation covers employee injuries on the job. The general contractor must be named as additional insured on the liability policy to protect against claims arising from the subcontractor's work. These are the two fundamental insurance requirements that cannot be waived.
Why the Other Options Are Wrong
Option A: Umbrella policy coverage only
Professional liability insurance alone is insufficient as it only covers errors and omissions in professional services, not the physical risks of construction work like property damage, bodily injury, or worker injuries that are common on job sites.
Option D: Professional liability insurance only
An umbrella policy alone provides excess coverage above underlying policies but cannot serve as primary coverage. Without the underlying general liability and workers' compensation policies, umbrella coverage is meaningless and does not meet Florida's specific insurance requirements.
Memory Technique
Use the acronym 'GLWC' (General Liability + Workers' Comp) and remember 'Get Licensed Workers Covered' - the two types of coverage that protect both the work and the workers.
Reference Hint
Florida Building Code Chapter 1, Section 105 - Permits and Insurance Requirements, or Florida Statutes Chapter 440 for Workers' Compensation requirements
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