Contractors · New Jersey
Built for people who build.
Contractors face injury claims, damaged property, stolen tools and strict contract requirements. We put together the coverage your trade needs and the certificates your clients ask for.
ContractorsWhat it covers
What contractors typically carry
A small stack of policies that work together.
General liability
Damage or injury caused by your work, on the job site or after completion.
Workers’ compensation
Covers your crew for job-related injuries and helps satisfy contract requirements.
Commercial auto
Vans, trucks and trailers used to reach jobs and carry materials.
Tools and equipment
Inland marine coverage for tools and equipment that move between job sites.
Subcontractor protection
Certificates and contract terms that keep sub claims off your policy.
Builders risk
Covers a structure under construction or renovation, for owners and contractors.
Claims
When a claim hits, we move.
One number to call, one team that follows it to the check.
Get my free quote- 01
Tell us what happened
One call or a short note with photos. We log the details and open the claim with your carrier the same day.
- 02
We file it for you
Estimates, forms and documents go through us. You sign, we submit, and we keep copies of everything.
- 03
We follow it to payment
We stay on the adjuster until the check is right. If something looks off, we push back with you.
New Jersey notes
Contractors in New Jersey
Rules and expectations that shape contractor coverage.
Registration expects insurance
New Jersey home improvement contractors must register and carry liability insurance. We confirm the current requirement when we quote.
Clients ask for certificates
General contractors and homeowners often require certificates and additional insured status before you start.
Tools disappear from vehicles
Tool theft is common. Personal auto or general liability will not cover it; a tools policy will.
Business lines
Every kind of business, covered properly.
Pick your industry or the risk you want to solve. Each page explains what the policy does and what New Jersey owners should watch for.
Commercial Auto
Vans, trucks and company cars used for work in NJ.
Get a quoteWorkers’ Compensation
Medical costs and lost wages for job-related injuries.
Get a quoteGeneral Liability
Third-party injury and property damage claims.
Get a quoteBusiness Owner’s Policy (BOP)
General liability, property and income protection in one package.
Get a quoteContractors
Liability, tools and coverage for trades and builders.
Get a quoteRestaurants
Kitchen fire, spoilage, liquor liability and staff coverage.
Get a quoteProfessional Liability (E&O)
Errors, omissions and negligence claims for service providers.
Get a quoteCommercial Property
Buildings, contents, equipment and rent for commercial locations.
Get a quote- General contractors and remodelers
- Roofers and siders
- Plumbers, HVAC and electricians
- Painters and flooring installers
- Landscapers and masons
- Handymen and small repair crews
Questions
Contractor insurance questions we hear every week
Do I need insurance if I work alone?
Yes. Your clients and registration typically require liability coverage, and one mistake can be costly even for a solo contractor.
What if my subcontractor does not have insurance?
You may be responsible for their injuries and damage. Require certificates from every sub before work starts.
Does my policy cover work I did years ago?
Products and completed operations coverage is what responds to claims after a job ends. We make sure it is included.