There’s a lot of information to sift through before getting your contractors license in Florida. We’ll review topics like Florida contractor requirements, why business insurance is important to the process, how to apply for your contractors licensing exam, and more.
Does Florida Require a General Contractors License?
If you want to run a contractor business in Florida, the state requires1 you to have a contractors license. This license is granted by the Florida Department of Business and Regulation2.
We’ll go more in depth on the process of getting your Florida contractors license further on.
What is Required to Get a State of Florida Contractor License?
Getting your Florida contractor license can seem confusing, but we can walk you through it.
Check off these five general requirements.
In order to qualify for a certified Florida contractor license, there are a few basics you need to check off1, like:
1. Your age.
You have to be 18 or older to qualify.
2. Your SSN.
You’ll need a valid Social Security number or individual taxpayer identification (ITIN).
3. Proof of education/experience.
You should be able to show that you’ve completed four years of education in a vocational school, training program, or have completed work experience. If you only have two years of vocational training but two or more years of work experience, that still meets this requirement.
Good news for veterans: Military experience also counts towards this requirement, so if you’re a veteran, download Florida’s Military Fee Waiver and Military Service Verification form3. Based on your experience, your application may be expedited.
And yes, you read that right – as a veteran, you won’t have to pay a fee to get your Florida contractor license.
4. Demonstrate financial stability.
When applying for your license, you’ll be asked to submit personal credit reports, as well as a credit report for your business (if applicable). In general, a credit score of 6604 or higher is needed to show your business is financially stable. If your credit score is lower, you may need a surety bond.
The Florida contractor license board only accepts certain credit reports, so check out this list of approved vendors5 who can provide you with what you need.
Learn more about your business’s credit score here.
5. Proof of insurance coverage
To run your own contracting business in Florida, you need to be both licensed and insured. In fact, you’ll need to provide proof of insurance (including workers compensation insurance, if you have employees).By law, Florida contractors must have at least $300,000 of liability coverage. You may also need to show proof that you hold a contractor license bond – often called a construction bond.
Get Business Insurance for Your Contractor Business
Business insurance may seem like a small detail in your journey to get a Florida contractor license. But in reality, it’s a big decision. That’s because it can determine how much financial protection your business has in the event of certain occurrences, like if property gets damaged or someone gets injured.
Below are three steps you can take to make sure you choose the right insurance coverage for your contractor business.
1. Know your risks.
Understand all of the potential risks you face when working. You may want to talk to a seasoned contractor to learn about what they’ve experienced in their career. Take time to list them out, even if they may seem unlikely.
Knowing about which risks your business faces can help prepare you to get the right coverage.
2. Understand your financial situation.
Your insurance premium will likely be paid on a monthly or annual basis. Estimate how much money you expect to spend and earn before deciding which payment schedule works best for you.
3. Compare your options.
You compare the options of produce at the grocery store, so why wouldn’t you compare business insurance options?
With Simply Business, we help make it easy to compare your options. It’s a fast, easy, and affordable process.
Use our free quote comparison tool here. Then choose the best contractor insurance coverage for you.
Applying for a FL Contractor’s License?
You may need to show proof of business insurance to get your license.
That’s where we come in. Compare insurance quotes.
Know if you need additional contractor’s licenses.
Florida offers multiple types of contractor’s licenses, some of which may impact how many exams you need to take (more on this in a bit). While this article is geared towards the general certified contractor’s license, Florida offers separate requirements for:
- HVAC technicians
- Swimming pool technicians
- Plumbing
- Roofing
- Sheet metal
- And more
Depending on your specialty areas, you may need to apply for more than one license. For example, if you’re a contractor who wants to work on roofing projects, you’ll need to apply for both the general certified contractor license (which we’re exploring here) and the contractor’s license for roofers.
You can find the entire list of special licenses here6.
Apply to take your Florida contractor license exam.
So here’s the deal: You actually can’t apply for your contractor’s license until you take the Florida Exam for Contractors7.
Don’t worry, it shouldn’t be difficult to take; it’s just designed to test your knowledge of basic safety, business finances, building, and other related topics. The exam is typically held every other month for one week and in various cities.
In order to register for an exam, you can apply by phone at (407) 264-0562 or online at floridaexam.com. You’ll need to pay two fees to take this exam: the $135 registration fee (payable to Professional Testing) and the $80 exam site administration fee (payable to the Florida Department of Business and Professional Regulation).
If you choose to apply for the exam online, you can pay these fees all at once.
Submit your application, along with these three items.
Once you’ve taken and passed the Florida contractor license exam, you’ll be able to finish applying for your license. Here’s a checklist of everything you’ll need to submit with your contractor’s license application.
1. Licensing fees
The cost to become a general contractor depends on the type of license you need and when you apply for it. The cost breakdown can be found here8.
2. Electronic fingerprints
Florida has a list of vendors that you can use to provide fingerprint records to the licensing board. Click here to learn more9 about the fingerprinting process to get your Florida contractor license.
3. Your credit report
This refers back to your Florida contractor requirements, as you need to demonstrate you’re financially stable. If your credit score is under 660, the state of Florida requires that you submit a contractor license bond with your application.
After you’ve collected your information, documentation, and fees, you can submit your completed application to:
Department of Business and Professional Regulation 2601 Blair Stone Road Tallahassee, FL 32399-0783
How Long Does It Take to Get A General Contractor License in Florida?
Once your application is submitted, the Florida contractor license board needs to review it. The board reviews applications in the order they are received. In general you can expect to know your application status within 30-45 business days.
How Do I Get a Florida Contractor License with No Experience?
Fortunately, there are ways for you to move forward with your contracting career even if you don’t have four years of contract experience under your belt.
1. Get a grandfathered Florida contractor license.
This method is common for contractors who tend to inherit the license of a contractor within their family or someone close to them. When retiring, one contractor may pass their license on to another. However, this doesn’t excuse the new contractor from taking the licensing exam.
If you’re interested in a grandfathered contractors license from a different state than the one you work in, contact The Office of Business and Professional Regulation.
2. Work with a Responsible Managing Officer (RMO).
You may be ready to run your own business, but you can’t get very far without a license. Instead, you have the option of working with what’s called a responsible managing officer (RMO) or a responsible managing employee (RME).
In this case, the responsible contractor or employee assumes responsibility10 with the board for any legal qualifiers under the license. If you hire an RME or RMO, then that contractor is considered an employee of your business until the project is completed. Keep in mind that this applies to jobs that pay over $500.
3. Get a waiver from the Florida contractor license board.
Depending on the specific situation, you may be able to get a waiver from your state licensing board. Waiver criteria differs from state to state and by project specifics. Talk to your local licensing board to learn more.
4. Continue to gain experience.
While it may not be the most attractive option, you can continue to gain experience through work. Maybe this means working in a professional apprenticeship or maybe it means working with a licensed and established contractor.
Having more time could also give you the chance to start building your brand and marketing materials, which can help you attract new customers once you’re licensed.
Either way, you’ll have the chance to learn more and gain experience while you prepare to take your licensing exam.
Remember to Renew Your State of Florida Contractor License
You’ll need to renew your Florida contractor license every two years.
During those two years, be sure to complete 14 hours of continuing education credits. The continuing education is required to cover topics such as workplace safety, workers compensation, business practices, and more.
Remember all of the work that goes into getting your contractor license in Florida in the first place. It’s important to keep track of your renewal schedule so that your license stays current. That way there won’t be any conflicts that keep you from getting work.
Always Here to Help
Once you’ve secured your state of Florida contractor license, we can help with getting your contracting business off the ground. Check out our free Resource Center. It’s chock full of recommended articles and resources that you might find useful, including:
- General Contractor Insurance: Everything You Need To Know
- How You Can Make More Money as a Contractor or Handyman
- FREE Contractor Invoice Template
References:
(1) Learn more at licensesetc.com/florida-contractor-license/
(2) Learn more at.myfloridalicense.com/intentions2.asp?chBoard=true&boardid=06&SID=
(3) Learn more at myfloridalicense.com/dbpr/pro/documents/MVL002_Military-Veteran_Fee_Waiver_and_Military_Service_Verification.pdf
(4) Learn more at suretybonds.org/blog/how-to-get-a-florida-contractor-license
(5) Learn more at myfloridalicense.com/dbpr/pro/cilb/documents/cilb_credit_reporting_agencies.pdf
(6) Learn more at myfloridalicense.com/dbpr/construction-industry/
(7) Learn more at floridaexam.com/
(8) Learn more at getjobber.com/academy/general-contractor-license/florida/#cost
(9) Learn more at myfloridalicense.com/DBPR/fingerprinting/
(10) Learn more at indeed.com/career-advice/finding-a-job/how-to-get-a-contractors-license-with-no-experience