New Jersey, NJ Electrical Contractors Insurance 

Insurance for NJ ELECTRICAL CONTRACTORS is the prime business of The Franchino Agency. We currently insure over 900 NEW JERSEY ELECTRICIANS.

We provide outstanding service, provide certificates quickly and you can always speak with the owner, James C. Franchino.

We write electrical contractors in New Jersey who do residential, commercial, or industrial electrical contracting. Building wiring, interior or exterior, lighting, motor controls, data / tele-communications wiring, etc.  Installation, service and repair.  Alarm work should be limited. If much alarm work is done, then the classification for rating and insuring will be alarm. Please inform us of your business operations.

Data communications wiring, tele-communications wiring, is included. If you strictly install, service or repair this type of wiring, and are not a licensed NJ ELECTRICAL CONTRACTOR, please inform us or see that web page NJ communications contractor.

Coverage for New York City is very limited. We can insure the occasional job in NYC, however 99% of your work must be in New Jersey (or Pennsylvania).

We can provide General Liability alone or in a package that includes tools coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc.

General liability limits are available in the amounts of: three hundred thousand ($300,000.), five hundred thousand ($500,000.), or one million dollars ($1,000,000.). The NJ Board of Electrical Contractors requires the minimum of three hundred thousand ($300,000.) dollars limits, however no contractor ever chooses that amount for two reasons:

1. There is NO price difference between $300,000., $500,000., or $1,000,000. coverage for a one or two person operation.
2. For a larger operation than a one or two person operation the price difference is very little, so small that every contractor chooses one million ($1,000,000.) coverage!

Here is a typical GENERAL LIABILITY package for a one-person NEW JERSEY ELECTRICAL CONTRACTING operation. If you have employees, please call for a custom quotation needs to be generated for you. If you are interested, please call.

• $1,000,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
• $3,000,000 — bodily injury & property damage, combined, aggregate*
• $1,000,000 — products and completed operations
• $3,000,000 — products and completed operations aggregate
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

$515 to $565 annual premium

Add $150 for tool coverage

*occurrence: means total amount paid per one claim
*aggregate: means total amount paid per per year

Please call us to to discuss your insurance needs!  Along with our quotations we provide education, knowlege and advise.

Inportant Information

News: 2009  -- The New Jersey Board of Electrical Contractors have stepped up their efforts to audit electrical contractors without mandatory liability insurance.  Heavy fines are being administered.

• ELECTRICAL CONTRACTOR SURVEY FORM  Get a customized quotation: Go to our complete it, then fax it to us for a no-obligation quotation.

•  NJ ELECTRICAL CONTRACTOR PERMIT LICENSE BOND INFORMATION.  Learn about and Purchase an Electrical Contractor Business Permit Surety Bond:

• INFORMATION FOR NEW ELECTRICAL CONTRACTORS PASSED YOUR ELECTRICAL TEST? Please read our information page  how to apply for your license and business permit.

• LIABILITY INSURANCE FOR CONTRACTORS

•  BOARD OF ELECTRICAL CONTRACTORS WEBSITE
• NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW