Florida Ceramic Tile, Mosaic & Terrazzo Contractor (C-54)

Yes. In Florida, performing tile & terrazzo contractor contracting work requires regulatory approval overseen by the Florida Construction Industry Licensing Board (DBPR). Operating without proper credentials can subject contractors to stop-work orders, administrative citations, and fines.

While specific municipal requirements can exceed state minimums, contractors typically must carry at least $300,000 - $500,000 Each Occurrence / $1,000,000 General Aggregate. General liability coverage protects your business against third-party bodily injury, property damage, and completed operations claims during and after construction.

The statutory bond requirement in Florida is generally $10,000 - $20,000 (Required if FICO credit score under 660). With good credit (scores above 680), an annual surety bond premium typically costs between $120 and $180 per year (1% to 2% of total bond penalty value). Contractors with lower credit scores can expect rates between $216 and $300 annually.

Mandatory for construction employers with 1+ employees (sole proprietors must formally exempt). Regardless of state minimum thresholds, commercial project owners, general contractors, and municipal permitting offices almost always mandate a valid Certificate of Insurance (COI) listing workers' comp before releasing jobsite access.

Florida currently maintains reciprocal licensing or exam waiver agreements with: NC, GA, MS, LA. Qualifying out-of-state contractors in good standing may apply to waive the trade examination portion of the license application.