General Liability & Workers' Comp Insurance for Contractors in Florida and New York: What You Need to Know in 2025

Contracting in Florida and New York means two different rulebooks — a GL limit that satisfies a Miami GC can leave you underinsured on a Manhattan job. Here's what each state actually requires in 2026: general-liability minimums, workers' comp rules, the New York Scaffold Law, real costs, and how to get bonded and covered fast.