Contractors & Trades Insurance in Orange & Lake County, FL
Protect your contracting or trade business with tailored coverage from a local, independent advisor who understands the unique risks faced by builders, artisans and specialty trades in Central Florida.
Get Contractor QuoteYour Local Partner for Contractors & Trades
As a contractor or skilled trade professional in Orange and Lake County, your work keeps our communities growing — from hillside construction projects in Clermont to custom builds on the shores of Windermere.
At Premier Group Insurance of Central Florida, we provide comprehensive insurance solutions designed specifically for general contractors, subcontractors and specialty trades. Our independence means we work for you — comparing policies across multiple A‑rated carriers — and our local focus ensures we understand the challenges unique to Central Florida’s booming construction and renovation market.
Who We Serve
From large construction firms to solo artisans, we support a broad range of trades throughout Orange and Lake County.
General Contractors
Builders overseeing residential and commercial projects need robust coverage to protect their business operations, from job site liability to completed operations.
Plumbers & Electricians
Keep your business flowing with coverage for on-site accidents, equipment theft and damage to a customer’s property.
HVAC & Mechanical
Installers and mechanical contractors often work in tight spaces and high‑risk environments. Protect against injuries, property damage and equipment loss.
Roofers & Carpenters
From framing to finish work, ensure your tools, materials and employees are covered on every job site across Central Florida.
Landscapers & Painters
Keep your crews and equipment protected while enhancing homes and businesses throughout Orange and Lake County.
Specialty Trades
From masons and welders to flooring installers and handymen, we can tailor coverage for any trade operating in Central Florida.
Recommended Coverages
The right policies help keep your business resilient against accidents, lawsuits and property damage. Below are the core protections for contractors and trades.
General Liability
Covers third‑party injuries, property damage and advertising claims – required for many contracts and permits.
- Customer & third‑party injuries
- Property damage claims
- Libel & advertising injury
Property & BOP
Protects your building, office contents and tools. Bundled options combine property and liability for added savings.
- Building & contents coverage
- Bundled GL & property savings
- Business interruption add‑ons
Tools & Inland Marine
Protects mobile equipment and tools from theft, vandalism and weather damage – on or off the job site.
- Portable tools & equipment
- Equipment breakdown
- Theft, vandalism & weather damage
Workers’ Comp & Umbrella
Provides statutory benefits for injured employees and extends the limits of your other policies for severe claims.
- Employee injury & disability
- Boosts underlying policy limits
- Meets Florida statutory requirements
Commercial Auto & HNOA
Covers company vehicles, fleets and employees driving their own cars on company business.
- Company vehicles & fleets
- Hired & non‑owned autos
- Theft, vandalism & weather loss
Local Expertise Across Orange & Lake County
Our team lives and works where you do. We understand the unique exposures facing contractors from Winter Garden to Clermont.
Clermont
Home to hillside construction and expanding retail corridors. We recommend property/BOP and general liability for growing projects.
- Hillside construction & new builds
- Developing retail corridors
- Contractor GL & property
Windermere
Lakefront builders and high‑end contractors benefit from tailored inland marine and general liability coverage.
- High‑end lakefront projects
- Luxury remodels & builds
- E&O & inland marine exposures
Winter Garden
Historic downtown shops and cafes are always improving. Protect your work with BOP coverage and workers’ comp.
- Historic downtown renovations
- Cafes & restaurants
- BOP & business interruption
Minneola
Family‑run service businesses and local start‑ups rely on us for general liability and commercial auto.
- Family service businesses
- Growing startups
- GL & commercial auto
Orlando
Downtown offices and tech start‑ups often require contractors for tenant improvements. We pair general liability with inland marine coverage.
- Tenant improvements & TI projects
- Warehouse & logistics hubs
- Comprehensive coverage needs
Why Choose Premier Group Insurance?
We know insurance isn’t one‑size‑fits‑all. Here’s what sets us apart:
Local Knowledge
Based in Central Florida, we understand the local permitting, contract requirements and common claims impacting contractors and trades in our area.
Independent & Unbiased
We are not tied to any single carrier. We shop multiple A‑rated insurers to find coverage that fits your budget and risk profile.
Dedicated Service
You’ll work with a single agent who handles everything from quoting to policy changes, so you can focus on running your business.
Ready to Protect Your Trade?
Partner with Premier Group Insurance of Central Florida for tailored coverage and expert guidance.
Contact Us Get a Quote