Florida construction indemnity rules for general contractors

What does Fla. Stat. 725.06 generally do?

It restricts indemnification provisions in construction contracts among owners, contractors, subcontractors, architects, engineers and materialmen. A provision that makes one party indemnify another for the other’s own gross negligence or willful, wanton or intentional misconduct is void. Otherwise the provision must include a monetary limitation that bears a reasonable commercial relationship to the contract, and for owner-related indemnity the statute sets a default of $1 million per occurrence unless the parties agree otherwise. Public-agency contracts follow a separate, narrower rule.

Not legal or insurance advice. Statutes change and contracts differ. Verify against the primary source (linked or named) and talk to your broker or attorney before relying on this.

What does it mean for certificates?

A certificate showing “ADDL INSD” does not tell you how far additional insured cover reaches, and indemnity limits in your contract may change how much you can rely on it. Ask for the endorsement form, check it against your contract, and have your broker explain how it responds. We flag endorsements that need review; we do not interpret them.

Before you rely on a clause

1. Have a Florida construction attorney review your subcontract template against Fla. Stat. 725.06.
2. Confirm the indemnity carries a monetary limit.
3. Collect endorsement pages, not only certificates.

Sources: Fla. Stat. 725.06. Statutes change; confirm the current text.