132 Columbia Turnpike, Florham Park, NJ 07932

When you need commercial, business or contractor
insurance in New Jersey
Think Franchino Insurance

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Business, commercial, property,
contractors insurance in new Jersey

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 through out New Jersey. From Bergen County to Cape May.


Plumbing and heating contractors should join our agency to take advantage of the outstanding service & programs that are available. Learn More

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Insuring electrical contractors has been our specialty for over 38 years, as a result we insure over 1,800 electricians in NJ! Commercial, residential, part time or large business we have the program for you! Learn More

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Join our ever expanding program for residential and commercial HVACR contractors. Annual premium starts at $850. for one million coverage. Boiler installation, ductwork, hydronic heating all fit into our programs. Learn More

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We can provide general liability policies that include alarm contractor errors & omission coverage as well as commercial auto, workers compensation and coverage for your tools & equipment. Learn More

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Over 1,800 Clients State wide

Service Matters!

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: unbeatable service and great value for our clients.

At Franchino Insurance, 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 a vast amount of Electrical Contractors, Master Plumbers, HVACR Contractors and Home Improvement Contractors, etc. Franchino’s team of experts is well prepared and eager to assist at all times.

Our family owned business possesses family values and a great consideration for our clients. Our success is due to our knowledge, professionalism and experience in this industry. Combined, we’re 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

News & Resources

11 December
Contractors Professional Liability – example 1

Example #1 explaining what contractors professional liability coverage provides. A painting contractor was hired to refinish a cork-tiled floor. The employees incorrectly mixed the finishing product with water and applied it to the floor causing the cork to buckle and damage. As a result, the flooring required a complete replacement. This type of claim is […]

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08 December
Additional Insured on Contractor General Liability Policy

Contractor insurance policies can include an “additional insured” Here is a brief example explaining the coverage. A Landlord hires an electrical contractor to perform maintenance work on the light fixtures in the lobby of the Landlord’s building. While working on a light fixture, the electrical contractor’s employee does not secure it properly, and it falls […]

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06 December
FMI Equipment Coverage

Franklin Mutual Insurance (FMI) has equipment coverage that picks up where your typical homeowners policy ends. It includes: Coverage for over 1,000 types of equipment including washers and dryers, water heaters, well pumps, air conditioning units, and electric service panels, Coverage for additional expenses in the event as insured’s home becomes uninhabitable as a result […]

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28 November
WC Rate Level Decreases 5.1% for 2018

Effective Monday, January 1, 2018, the New Jersey Compensation Rating and Inspection Bureau will be decreasing the rate revision down by 5.1%. This change will occur after the Bureau recieved approval from the Department of Banking and Insurance. For more information, click here.

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