Contractor Insurance & Construction Bonds
Getting licensed is only half the job — staying compliant means carrying the right coverage. That's where our sister company, Artisan Insurance Inc., comes in. Owned and operated by Lindsey Klein, Artisan specializes in insurance built specifically for contractors: national contractor license bonds, Florida commercial insurance, Financially Responsible Officer (FRO) bonds, and builder's risk coverage — with same-day quotes in most cases.
Meet Artisan Insurance Inc.
Artisan Insurance is a specialized agency built around the needs of contractors, trucking companies, and other trade businesses across Florida and Texas. Because they work hand-in-hand with Contractor Licensing Inc., they understand exactly what your state licensing board requires — so your bond or policy is written correctly the first time, with no back-and-forth that delays your application.
Every contractor applying for a Florida contractor license needs general liability insurance in place before submitting an application — Artisan can get that quote turned around fast so your licensing doesn't stall.
Coverage Built For Contractors
National Contractor License Bonds
Most states require a license bond before you can legally pull permits and bid work. Artisan writes contractor license bonds nationwide — not just Florida — so if you're expanding into new states, your bond requirement is handled in the same place as your Florida coverage.
Florida Commercial Insurance
From general liability and workers' compensation to commercial auto and property coverage, Artisan builds Florida commercial insurance packages around the class codes and endorsements your specific license type requires — so nothing is missing when a claim arises.
Financially Responsible Officer (FRO) Bonds
If your qualifier isn't an owner of the business, Florida requires the business to carry a $100,000 FRO bond. Artisan handles FRO bonds start to finish, with pricing based on credit and financial stability — the better the credit, the lower the premium.
Builder's Risk Insurance
Covers a structure while it's actively under construction or renovation — protecting materials, fixtures, and work-in-progress against fire, theft, wind, and other covered losses before the project is complete and a permanent policy takes over. Often required by lenders or GCs before the first permit is pulled.
Insurance & Bonds Available Through Artisan
Beyond the three areas above, Artisan Insurance covers the full range of what a growing contracting business needs:
General Liability Insurance
Workers' Compensation Insurance
Commercial Property Insurance
Commercial Auto Insurance
Business Owner's Package (BOP)
Professional Liability (E&O)
Contractor License Bonds
FRO Surety Bonds
Builder's Risk Insurance
Contract Bonds
Everything You Need To Know About FRO Bonds
Who Needs an FRO Bond?
Some construction companies employ a licensed qualifier who isn't an owner of the business and therefore doesn't assume financial responsibility for it. In that case, the business owner applies for an FRO License — and Florida's DBPR requires a $100,000 surety bond to go with it, renewed annually for as long as that person holds the FRO position.
How the Bond Actually Works
Three parties are involved: the obligee (the state board requiring the bond), the principal (the FRO), and the surety (Artisan's bonding company). If a claim is made over improper financial accounting or fiduciary violations, the surety pays it — then the FRO is required to reimburse the surety for that amount.
What Determines the Premium?
FRO bond pricing is based primarily on the personal credit score of the business owner(s) and the financial stability of the business itself. The stronger the credit profile, the lower the premium — Artisan will shop this for you to find the best rate available.
Getting Bonded Is Simple
- Reach outCall or fill out the form below — most bonds get a same-day quote turnaround.
- Get matched with coverageArtisan reviews your license type, state, and qualifier structure to recommend the right bond or policy.
- Submit & get approvedOnce approved, your bond or certificate is issued and ready to attach to your license application.
- Stay compliantArtisan tracks renewal dates so your FRO bond, license bond, or liability policy never lapses.
Contact Artisan Insurance Inc.
Artisan Insurance Inc.
- Lindsey Klein
Owner, Artisan Insurance Inc. - 601 E. Elkcam Circle Unit B-1, Marco Island, FL 34145
La Vernia, TX 78121 - (239) 235-9520
- lindsey@artisaninsuranceinc.com
- artisaninsuranceinc.com
Same Day Bond Quote & Approval
Most bonds — including FRO bonds and national contractor license bonds — can be quoted and approved the same day. Don't let insurance or bonding hold up your licensing timeline.
Working with Contractor Licensing Inc. on your application? Ask us to loop in Artisan directly so your coverage and paperwork move together.
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