Locations: Florham Park and Dover, NJ, Marysville, PA

New Jersey Carpenter and Home Improvement Contractor Insurance

We are specialists in writing insurance for Artisan Contractors in NEW JERSEY (NJ), especially CARPENTERS, HOME IMPROVEMENT CONTRACTORS, HANDYMEN and GENERAL CONTRACTORS. We write insurance for the contractor who does: Residential, or commercial work, new home building, additions, renovations, handyman work. Kitchen, baths, basements, window and door installation, drywall, siding, etc.

  • If you sub-contract our over 50% of your work we do NOT have a good program for you.
  • If you “flip” houses, again we do NOT have a good program for you.
  • WE WANT TO INSURE THE “HANDS-ON” CONTRACTOR

We currently insure over 1800 Contractors and can provide . . .

  • General Liability
  • Coverage to insure your tools, equipment & supplies from theft, fire, etc.
  • Commercial Auto
  • Workers Compensation
  • Umbrella
  • Bonds

Our preferred programs are tailored for the small to medium sized contractor.  We represent several insurance companies so we can fit your needs to the proper company.

General liability limits are available in the amounts of: $500,000. or $1,000,000. One million coverage is almost always chosen because the difference in premium is very little. General liability protects your business from unintentional property damage or injury of persons that may occur from your operations. Premises & operations is while you are working on a job. Completed operations is damage or injury that results after the job is completed.

Here are two typical GENERAL LIABILITY package for a one-person operation. If you are interested, please call or complete the survey below so that we can provide a detailed quote that reflects your operations

Quote #1 – $500,000.

  • $500,000 — bodily injury and property damage combined, per occurrence premises and operations, other than completed operations
  • $1,000,000 — bodily injury & property damage, combined, aggregate
  • $500,000 — products and completed operations
  • $1,000,000 — products and completed operations aggregate
  • $100,000 — legal liability
  • $10,000 — medical payments to other than employee

starting at $695. annual premium for a one person operation

Quote #2 -one  million

  • $1,000,000 — bodily injury and property damage combined, per occurrence premises and operations, other than completed operations
  • $2,000,000 — bodily injury & property damage, combined, aggregate
  • $1,000,000 — products and completed operations
  • $2,000,000 — products and completed operations aggregate
  • $100,000 — legal liability
  • $10,000 — medical payments to other than employee

starting at $803. for a one person operation annual premium

rabbit with wood saw

GET A QUOTATION for GENERAL LIABILITY – PACKAGE

Complete our ONLINE SURVEY FORM and provide information about your business operations.  Within 24 hours (usually sooner) we will email you a detailed, customized quote specific to your business. If you prefer, call: 973-377-6100.

WE HAVE GREAT MARKETS TO PLACE YOUR WORKERS COMPENSATION COVERAGE!

GET A WORKERS COMPENSATION QUOTE

COMMERCIAL AUTOMOBILE

INFORMATION & EDUCATION:

NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW INFORMATION
LIABILITY INSURANCE FOR CONTRACTORS
INFORMATION ABOUT BUSINESS TYPES (LLC’S, CORPORATIONS ETC)