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Florida plumber license and insurance requirements

Florida plumber license and insurance requirements

By Ashley Henshaw
Apr 12, 2022
8 min read

Many Florida residents absolutely love the state’s climate and location. But lots of sun, high temperatures and proximity to the ocean can be hard on plumbing systems.1 

That creates plenty of work for plumbers in Florida. In fact, Florida ranks fourth nationwide for the highest employment level of professionals working in this field.2

If you’re interested in becoming a Florida plumbing contractor, you must obtain a license from the Florida Department of Business and Professional Regulation.3 That requires passing an exam, demonstrating your previous work experience and education and obtaining the right insurance. Learn more about how to get an plumbing license in Florida, including:

Do you need a license to be a plumber?

You must have a certified plumbing contractor license from the Florida Department of Business and Professional Regulation in order to work as a plumbing contractor in this state.

In Florida, a plumbing contractor is defined as a person “whose contracting business consists of the execution of contracts requiring the experience, financial means, knowledge and skill to install, maintain, repair, alter, extend or, when not prohibited by law, design plumbing.”4

This license permits plumbing contractors to work on a wide variety of plumbing and piping projects, such as public or private water supply systems, septic tanks, drainage and supply wells, swimming pool piping, irrigation systems and solar heating water systems.

How to get a plumber license in Florida

Before you submit your Florida plumber license application to the Department of Business and Professional Regulation, you must pass a two-part exam. 

Step 1: Take the licensing exam

Sign up for a Florida Construction Industry Licensing Board (CILB) examination at FloridaExam. You must pass both parts of the exam: 

  • Trade knowledge: You must take the plumbing trade knowledge section in paper and pencil format. This part of the test is administered exclusively in Orlando. 
  • Business and finance: You may take the computer-based business and finance exam at one of the many testing locations throughout the state. 

Step 2: Submit your application

After passing the licensing exam, apply online or print an application and submit it to the CILB by mail. You must include a payment for the non-refundable application fee with your completed application. Since license renewal is required every two years, fees vary based on whether you apply for licensure in an even or odd year.

Florida plumber license requirements

In addition to achieving a passing score on the qualifying exam for a plumber license, Florida residents must meet the following requirements:

  • Meet the educational/experience requirements
  • Demonstrate financial responsibility
  • Be of good moral character

Educational/experience requirements

Plumbing license applicants must meet one of the following educational/experience requirements:

  • Four-year construction-related degree and one year of plumbing work experience
  • One year of experience as a foreman and at least three years of college-level course credits
  • One year of experience as a worker, one year of experience as a foreman and two years of college-level course credits
  • Two years of experience as a worker, one year of experience as a foreman and one year of college-level course credits
  • Four years of experience as a worker or foreman with at least one year as a foreman

You must provide details about your employment history on the application, including your employer’s license number and contact information.

Financial responsibility

You must demonstrate financial responsibility by submitting a personal credit report with a credit score of 660 or higher and no unsatisfied judgments or liens. If you do not meet these qualifications, you must provide a bond or letter of credit. 

Completing a 14-hour financial responsibility course will decrease the required amount for the bond or letter of credit.

Moral character

You must disclose your criminal history as well as pending bankruptcies or previous instances in which a professional license was denied, suspended or revoked. Florida plumbing license applicants must also submit electronic fingerprints to the CILB as part of a complete background check.

How long does it take to get your plumber license in Florida?

Typically, the CILB issues licenses within two weeks after approval. Applicants receive a mailed notice about two weeks before the meeting in which the application is scheduled for review.

Florida plumber license renewal requirements

Certified plumber licenses expire on August 31 in each even-numbered year. You must pay a $205 renewal fee and complete 14 hours of continuing education to complete the renewal process.

Continuing education requirements

Your required 14 continuing education hours for license renewal must include the following:

  • One hour specialized or advanced module
  • One hour workplace safety
  • One hour business practices
  • One hour workers’ compensation
  • One hour laws and rules

The remaining hours may include any board-approved construction-related instruction.

Florida plumber license reciprocity

The CILB does not maintain reciprocity agreements with any other state for plumber licenses. Plumbers who hold an out-of-state license may be able to apply for endorsement if they meet one of the following requirements:

  • Have taken an examination of substantial equivalency to the Florida plumber licensing exam, meet the experience requirements for Florida certification and meet all other requirements for licensure
  • Hold a valid plumbing license issued by another state (if that state’s license issuance criteria was substantially equivalent to Florida's current certification criteria)

What kind of insurance does a plumber need in Florida?

One of the last steps for how to become a plumber in Florida is getting the right business insurance. In most cases, the following types of insurance are recommended for licensed plumbers.

Workers’ Compensation insurance

If you or an employee gets hurt on the job, workers’ compensation insurance provides coverage for lost wages and medical expenses. Learn more about workers’ comp in Florida.

General Liability insurance

General liability insurance covers you if certain types of work-related accidents occur, like property damage or an injury to a client.

Tools and Equipment insurance

You can repair or replace work gear that is damaged or stolen with tools and equipment insurance.

Commercial Auto insurance

Most plumbers drive to different sites for work, which requires commercial auto insurance. This insurance provides coverage for costs related to a vehicle accident, like towing and repairs.

Commercial Property insurance

With commercial property insurance, you’ll get coverage for property damage or vandalism if you own or rent space for your business.

What is the certificate of insurance requirement in Florida for plumbers?

All certified plumbing contractors in Florida must have the following types of insurance:

  • Public liability insurance in the amount $100,000
  • Property damage insurance in the amount $25,000
  • Workers’ compensation insurance (or an exemption obtained within 30 days of license issuance)

Each certificate of insurance should list the State of Florida Department of Business and Professional Regulation Construction Industry Licensing Board as the certificate holder.

How NEXT Insurance supports Florida plumbers

NEXT insurance makes it easy to find affordable plumber insurance options, including business insurance and self-employed plumber insurance. We’ve put together thousands of custom insurance packages for contractors like you, and we can help you meet the state licensing requirements for Florida.

To apply for coverage, simply use our convenient online services. It only takes about 10 minutes to compare coverage options, learn more about costs, purchase insurance and get a Certificate of Insurance

Get an instant quote online today.

Do plumbers need a license in other U.S. states? Learn what states require plumber licenses in our guide to plumber license requirements.


1 Next Level Plumbing

2 U.S. Bureau of Labor Statistics

3 Florida Department of Business and Professional Regulation

4 Construction Industry Licensing

Florida plumber license and insurance requirements


About the author
Ashley Henshaw is a contributing writer at NEXT Insurance and a writer and editor at BrainBoost Media. She specializes in small business topics, covering everything from insurance and branding to web hosting and cryptocurrency. Her work is focused on helping independent business owners and entrepreneurs access the tools they need to succeed.
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