Trade × state guide
Insurance for cleaning businesses in Florida.
In Florida, cleaning businesses usually need general liability and surety bond. On workers' compensation, Florida's rule is: Construction: required at 1+ employees; non-construction: required at 4+ employees.[S]Florida workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Florida.
- Construction trades hit the workers' comp requirement at the first employee
- State-certified vs registered contractor licensing affects scope of work
§ 02
Required cover
Coverage cleaning businesses typically need.
- ✓General liability
- ✓Surety bond
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