Miami, Florida
Certificate of insurance tracking for Miami contractors
We track subcontractor certificates of insurance for Miami-area general contractors: collecting each certificate, checking it against your contract, and chasing renewals. In Miami-Dade, two checks sit outside any certificate: product approval for hurricane-zone work and two-tier contractor licensing. We flag both alongside the insurance.
Not sure where your own subs stand? Paste your list and get a free gap report in two minutes.
Free COI auditHurricane-zone work adds checks a certificate cannot prove
Miami-Dade and Broward are the Florida Building Code’s High-Velocity Hurricane Zone (HVHZ). For windows, doors, shutters and roofing, industry guidance is that products need a Miami-Dade or Broward Notice of Acceptance (NOA), and a standard statewide Florida Product Approval does not automatically satisfy HVHZ unless it includes HVHZ-level testing.
A certificate of insurance says nothing about that. For roofing, glazing and opening trades, track the product approval next to the insurance, and confirm the current rule with the building department.
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.
Two licensing tiers, two lookups
Florida law defines two kinds of contractor license. A certified contractor holds a state certificate of competency and can work in any jurisdiction in the state. A registered contractor has registered with the state after meeting the competency rules of one local jurisdiction, and can contract only in that jurisdiction. So a Miami-area sub’s license may only be good for Miami-Dade.
A clean certificate of insurance tells you nothing about which kind a sub holds. Look the license up with the Florida Department of Business and Professional Regulation (DBPR), and ask the local building department where the job is how it treats local competency.
Source: Fla. Stat. 489.105 definitions of certified and registered contractors.
Workers’ comp: policy or exemption
The Florida rules apply in Miami like everywhere else in the state: a sub can show a policy or an exemption for named officers, and building permits need proof of one or the other. See our Florida verification guide and the statutory employer rule.
What we do for Miami GCs
Send your sub list and requirements. We collect certificates, check them, chase expirations, flag what a certificate cannot prove, and send you a weekly exception list. Start with the free audit.
Frequently asked questions
Do Miami contractors need a certificate of insurance from every sub?
It depends on your contract and your insurance. Most commercial GCs and owners require one, and Florida permits and workers’ comp rules make proof of coverage or exemption important on every job.
Does a certificate show a sub has HVHZ product approval?
No. A certificate shows insurance only. Product approval and licensing are separate checks.
Do you have an office in Miami?
We work remotely with Miami contractors. A local business address is added to this page only if we have one.
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See your certificate gaps in two minutes
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