We go beyond providing insurance with our helpful advice about starting or running a business. We are experts with the NJ Division of Consumer Affairs and licensing of contractors. We write policies throughout New Jersey.
Our Preferred Programs
New Jersey HVACR Contractor License Bond Information and Purchase
Purchase a HVACR Contractor License Surety Bond $50. Learn more
Plumbing Contractor Insurance
Hundreds of NJ Master Plumbers are overjoyed with the service, policies and premium that is provided to protect their business. Learn more
Insurance for Electrical Contractors in New Jersey and Pennsylvania
We currently insure over 1,400 electrical contractors in NJ and PA. We and the companies that we represent love electrical contractors. Learn more
Mixed Use Building Insurance
Great policies for buildings with apartments and businesses. One of our companies loves to write these policies. Outstanding coverage and attractive rates. Learn more.
Business Commercial Insurance
Business owners or package policies to suit your needs. Customized for owners of buildings and business owners as tenants. Learn more.
ELEVATOR - ESCALATOR - MOVING WALKWAY CONTRACTORS
Elevator - Escalator - Moving Walkway BOND $50. - Fifty Dollars for the two year term. Purchase a bond for the license renewal date of October 1, 2020. Complete our online application and pay by credit card. Bonds are processed promptly and emailed to you. Learn More
Buy A Bond
Get a quote.
We have many survey forms for specific businesses or types of insurance. Complete a form, submit and we will be right back to you with a written quotation.
Over 1,800 Clients State wide
Since our beginning in 1946, we have had one steady goal in mind; providing outstanding service to our customers. With the use of the internet we are able to deliver unmatched turnaround time on quotes and policy issuance. By utilizing the latest in technology, we achieve what few other organizations have done: Provide unbeatable service and great value for our clients.
We’re proud to say we specialize in servicing thousands of contractors and businesses throughout New Jersey for all their insurance needs. We currently insure thousands of of Electrical Contractors, Master Plumbers, HVACR Contractors and Home Improvement Contractors, etc. We are a team of experts and are well prepared and eager to assist at all times.
This September 2020, the principal of James C. Franchino Agency Inc., retired and sold the business to Henry O. Baker Insurance Group. The Baker Group has been in business since 1925 and will continue to serve with the same care, knowledge, professionalism, and are committed to providing quality, and fast service.
Please explore this website for the knowledge it provides about insurance and many other important business subjects.
Hear from our clients
Franchino and the team are very pleasant work with. The staff is very responsive and efficient and the prices are amazing. I would recommend their agency to anyone looking for insurance at a great rate.-
Louis Kourani, A1 Electric, Heating & Cooling
I have been working with Franchino Insurance since 2004, for all of my insurance needs. Through those years, Lynn has been a life saver keeping me informed and staying on top of all of my accounts. Running a small business, I have enough on my plate with day to day operations, so I am very thankful for all of their help and knowledge. Thanks for making me feel like I'm your only account!-
Rick Zeek, R.Zeek Plumbing
You guys are the best! Service and integrity are second to none. Would recommend you to everyone!-
John M. Doll, Elec Ctr LLC
Jim, Thanks for the note and please know I would use only your firm when needed. Currently I am not a bonafide fide rep and do not need insurance. That's why I only have a bond for now. Also, I reccommend your services all the time.-
James Healey, HVACR contractor
News & Resources
Credit-based Insurance Scores and not the same as Credit Scores
Insurance companies use many factors to determine your insurance premium such as zip code, age of operators, make, model, age of your vehicle, etc. They also obtain an insurance score from one of the credit reporting companies. Information used is: payment history, outstanding debt, credit history length, pursuit of new credit, credit mix. A credit […]Read More
Pandemic is not a peril
There is no pandemic exclusion in the business income policy. There doesn’t need to be a “pandemic” exclusion in the business income policy. The absence of the word or an exclusion containing the word does not change the facts of coverage. Adding a “pandemic” exclusion would be deceitful. A pandemic exclusion is unnecessary and ultimately […]Read More
Workers Compensation Injuries Decreased
Prior to the COVID-19 pandemic, the number of workplace injuries have been declining for decades. Overall, the frequency of injuries declined 30% from 2006 to 2017, according the the Bureau of Labor Statistics. Bad news: The total claim severity (cost per injury) has increased.Read More
Vacancy vs Unoccupancy
Unoccupied refers to that status where it is a temporary measure and all of the livable elements still exist (furniture, utilities still turned on, etc.). Whereas vacant refers to that state where there is no intention to return, the residence has no furniture or other means for someone to live there.Read More