132 Columbia Turnpike, Florham Park, NJ 07932

Electrical Contractors Insurance for New Jersey, NJ

led light bulbProviding Insurance for NJ ELECTRICAL CONTRACTORS is the primary business of Franchino Insurance. We currently insure over 1,400 NEW JERSEY ELECTRICIANS that range is size from a one person – owner operated to 45 union employees. We provide unsurpassed service, provide certificates quickly and you can always speak with the owner, James C. Franchino. Certificate of insurance can be ordered directly through our website or a smart phone.

Our programs includes ELECTRICAL CONTRACTORS in NEW JERSEY and PENNSYLVANIA who do residential, commercial, or industrial ELECTRICAL CONTRACTING work.

SOLAR INSTALLATION work is a field that many electrical contractors are doing.  We also write solar contractors.

Data communications wiring, tele-communications wiring, is included under the electrical contractor class. If you strictly install, service or repair this type of wiring, and are not a licensed NJ ELECTRICAL CONTRACTOR, we can accommodate you.  See our web page NJ communications contractor.

Coverage for New York City is limited. We can insure the occasional job in NYC, however 90% of your work must be in New Jersey (or Pennsylvania).

We are your total source for your business insurance needs!

  • General Liability
  • Commercial Auto
  • Workers Compensation
  • Tool & equipment coverage
  • Umbrella
  • Wage & Benefit Bonds

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

Here is a typical GENERAL LIABILITY package for a one-person NEW JERSEY ELECTRICAL CONTRACTING operation.

  • $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

Annual premium is approximately $565. annual premium Add $150. to $250. for tool coverage

GET AN EXACT QUOTE FOR YOUR BUSINESS – complete an online survey form



Workers Compensation Insurance Information for Electrical Contractors – and quote examples.

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