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, ...
No. Builders risk is project-specific property coverage on the structure under construction, while contractor insurance refers to the broader bundle of GL, workers' comp, auto, and tools coverage on the ...
Yes. Coastal counties in Mississippi, Alabama, Louisiana, Florida, North Carolina, and Georgia carry rate loads of 18-34% over inland rates for GL and property risks. Builders risk policies in these ...
Yes. Any subcontractor on a Southeast job site is required by nearly every general contractor to carry their own GL, workers' comp (or signed exemption), and commercial auto. The GC's ...
No. Standard GL excludes the contractor's own faulty work (the "your work" exclusion). GL does cover third-party damage caused by faulty work — a plumbing leak that ruins drywall, for ...
A Certificate of Responsibility (COR) is the commercial contractor license issued by the Mississippi State Board of Contractors for projects over $50,000. It requires passing a trade and law exam, ...
Primary and noncontributory is a GL endorsement stating your policy pays first and will not seek contribution from the other party's coverage. Nearly every Southeast commercial GC and most municipal ...
Across the seven Southeast states Bridgeway writes, contractor GL runs $440-$1,500 annually for low-risk trades, $1,450-$3,800 for a residential general contractor, and $2,900-$11,200 for a residential roofer in 2026. See ...
