Workers comp thresholds vary by state. Louisiana and Florida require coverage from employee one in construction. Mississippi and Alabama trigger at five employees. Tennessee effectively requires it from one via the Construction Services Provider rule. North Carolina and Georgia trigger at three. See our Louisiana contractor insurance guide for Louisiana’s day-one rule.
Learn more at general liability coverage overview.
Yes. Georgia requires a residential or general contractor license for any project of $2,500 or more — the lowest threshold in the Southeast. Both classifications demand $500,000 GL minimum. See ...
Tennessee requires a state contractor license through the Tennessee Board for Licensing Contractors (TBLC) for most jobs over $25,000. The license requires passing a trade and business/law exam, a financial ...
Roofing is the highest-rated construction class across the Southeast. In 2026, residential roofers pay $16.20-$28.90 per $100 of payroll depending on state — Florida ($28.90) and Louisiana ($22.10) run highest, ...
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M – F, 9:00am – 4:00pm
We service clients in the Alabama, Florida, Mississippi, Louisiana, North Carolina, Tennessee & Georgia areas.
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.
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