Commercial, business or contractor
insurance in New Jersey or Pennsylvania Franchino Insurance is a division of Henry O. Baker Agency Inc., Dover, NJ
Request a Certificate of Insurance
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 and Pennsylvania.
Our Preferred Programs
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
HVACR, HEATING, AIR CONDITIONING, REFRIGERATION CONTRACTORS
$50. - Fifty Dollars for the 2 year term of the bond. Current term expires June 30, 2020. Complete our online application and pay by credit card. Bonds are processed promptly. Learn More
Buy A Bond
PLUMBERS - NJ MASTER PLUMBERS
Plumber bonds are only $50. - Fifty Dollars for the 2 year term. Purchase for the current term which expires June 30, 2021. Complete our online application and pay by credit card. Bonds are processed promptly. Learn More
Buy A Bond
ELECTRICIANS - NJ ELECTRICAL CONTRACTORS
$50. - Fifty Dollars for the three year term of the bond. Current term expires March 31, 2021. Complete our online application and pay by credit card. Bonds are processed promptly. Learn More
Buy A Bond
ALARM CONTRACTORS
Alarm bonds for $75. - Seventy Fife Dollars. Current term expires January 31, 2020. Complete our online application and pay by credit card. Bonds are processed promptly. Learn More
Buy A Bond
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 and Pennsylvania 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
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
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 MoreWorkers 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 MoreVacancy 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 MoreEmployee Dishonesty Fidelity Bond
Protect yourself / your business from employee theft. Employee dishonesty is a term describing fidelity bond coverage guaranteeing against loss caused by dishonest officers or employees from the business. ie. Making fraudulent checks, stealing inventory, hours worked, etc.
Read More