A few minutes can save you up to 65% or more with
New Jersey’s best contractors' insurance programs –
Contractors
Insurance
New Jersey
New Jersey
Contractors Insurance
Stop overpaying for coverage in the Garden State!
A few minutes can save you up to 65% or more with New Jersey’s best contractors’ insurance programs –
Coverage for New Jersey Contractors
With all the hidden risks in today's construction environment, our New Jersey Contractors' Insurance programs provide essential protection for business owners and employees—at prices that won't break the bank –
What is New Jersey Contractors’ Insurance?
New Jersey contractors’ insurance offers protection against financial risks at every stage of business operations.
Why Do I Need It?
Construction is known for being an inherently dangerous industry where even a simple mishap can have severe consequences for an uninsured business owner. Risks come in many forms, with the most common—slip, trip, and fall hazards—often hidden amid the chaos of a busy job site. Project delays, tight deadlines, change orders, and labor shortages can undermine safety protocols to keep schedules on track, exposing business owners to bodily injury or property damage claims.
By having a contractors’ insurance policy that assumes the policyholder’s defined exposure in exchange for a premium, you can rest assured that financial losses from third-party legal actions are mitigated, providing you with peace of mind in the face of construction risks.
Protect Against the Unpredictable
Before starting operations, we strongly encourage New Jersey contractors, subcontractors, and trades specialists to visit their state licensing authority to verify all registration, licensing, and insurance prerequisites. This will ensure that you are fully informed and prepared for the unpredictable in the construction industry.
With our team of reliable and experienced commercial insurance experts, you can be confident that we are ready to assist New Jersey contractors with an affordable insurance quote tailored to your budget and business needs.
Our Recommended Products
General Liability
General Liability
New Jersey contractors’ general liability is an important part of a strong commercial insurance package.
A New Jersey contractors’ business liability policy shields your company assets against financial loss due to a wide range of incidents, such as third-party bodily injury and property damage.
New Jersey contractor liability insurance provides important coverage for the following:
- Business Liability
- Liability Assumed Under a Contract
- Products and Completed Operations
- Defense Expenses
- Much More
Workers' Comp
Workers' Comp
New Jersey contractors’ workers’ compensation benefits employees or their dependents for an injury or death arising out of and during the course of employment.
New Jersey contractors’ workers’ compensation provides:
- Medical Benefits
- Disability Benefits
- Death Benefits
Employers that fail to comply with New Jersey contractors’ workers’ compensation laws may be subject to fines and penalties.
Employers are encouraged to visit the New Jersey Department of Labor and Workforce to verify employer rules and insurance prerequisites.
Surety Bonds
Surety Bonds
Unlike a New Jersey contractors’ insurance policy, New Jersey contractor surety bonds are similar to a line of credit that ensure bondholders will comply with local and state laws and regulations of their trade.
A New Jersey contractor’s surety bond provides a financial guarantee to job owners that the principal will complete the project according to your bid and subcontractors or vendors paid upon completion.
Various residential, commercial, and government projects may require a New Jersey contractors’ surety bond to bid on a project.
Commercial Auto
Commercial Auto
New Jersey contractors’ commercial auto insurance — also known as a New Jersey contractor business auto policy — protects company vehicles if an insured driver is liable for an at-fault accident.
A New Jersey contractors’ commercial auto policy provides essential coverage for property damage and injuries when business vehicles are involved in an accident or damaged from theft or vandalism.
A New Jersey contractors’ commercial policy covers:
- Bodily Injury and Property Damage
- Comprehensive and Collision Damage
- Uninsured and Underinsured Motorists
- Hired and Non-Owned Vehicles
- Medical Payments
- And More
Inland Marine
Inland Marine
A New Jersey contractors’ inland marine policy — also known as New Jersey contractor tool and equipment insurance, covers hand tools, equipment, and product material at a job site, transported, or in an off-site storage location.
New Jersey contractor inland marine insurance provides “installation” risk coverage.
A New Jersey contractors’ tools and equipment policy protects your business property against such common perils:
- Theft
- Fire
- Wind
- Hail
- Water Damage
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