Fort Myers is still rebuilding from Ian, and the contractor market reflects it: roofers, restoration and mitigation companies, debris and demo crews, and out-of-area GCs who need local subs with their paperwork in order. Lee County permit offices and the GCs running storm-recovery work are strict about insurance because the claims history in the area is fresh.
Ricardo worked in restoration and roofing before he was licensed. He knows what Fort Myers storm-recovery contracts demand — GL limits, additional insured wording, sometimes pollution or mold endorsements — and quotes to it.
What Fort Myers contractors typically carry
Premises & operations
Injury or property damage that happens while you're on the job — the core of a GL policy.
Products-completed operations
Damage that shows up after the work is done. Critical for roofers, plumbers and anyone whose work can fail later.
Personal & advertising injury
Claims like libel, slander or copyright issues from your marketing.
Medical payments
Small medical bills for a third party, paid without a lawsuit.
Full details on contractors / general liability →
What Ricardo will ask you for
Have these ready and the quote goes smoother. Don't have everything? Call anyway — Ricardo will tell you what actually matters for your situation.
- Business name, entity type and years in business
- Type of work you perform and the split (residential vs. commercial, new vs. remodel)
- Estimated annual revenue and payroll
- Subcontractor costs and whether you collect their certificates
- Current carrier, premium and renewal date
- Any contract that specifies required limits or endorsements
Common questions
Which permits in Fort Myers require proof of insurance?
Most building permits in Lee County require a licensed contractor to show general liability and, where applicable, workers' compensation. Ricardo can get you a certificate addressed to the permitting authority.
Do you cover subcontractors working for a Fort Myers GC?
Yes. Most GCs in the area require subs to carry their own GL with the GC as additional insured. Ricardo quotes to the GC's requirement sheet.
How fast can I get a certificate for a Fort Myers job?
Once the policy is bound, Ricardo handles certificate requests directly. Timing depends on your policy and the carrier. See the certificate page.
Serving Fort Myers and nearby
Ricardo is based in Sarasota and licensed statewide. Every step — quote, application, certificates — is handled by phone, video and email, so Fort Myers clients get the same service as neighbors down the street.
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.