10/15/2026
Before a Florida construction project begins, ask two different insurance questions: what may protect the work under construction, and what may address third-party claims? Builder’s risk and liability are not interchangeable. Coverage, exclusions, limits and responsible parties depend on the actual policies and contract. Ask a licensed insurance professional to review your project. Which question would you raise first? FOCCO helps connect planning and construction decisions. Project images: FM-2026-0008. Educational content only; coverage depends on the applicable policies and contract. FL CGC1526317.