Locations: Florham Park, NJ and Marysville, PA

New Jersey, NJ Floor Covering Contractors Insurance

The Franchino Agency specializes in insurance for NEW JERSEY FLOOR COVERING CONTRACTORS, CARPET INSTALLERS, TILE INSTALLERS, LINOLEUM, VINYL, etc. We currently insure over 1300 Contractors. We can provide General Liability alone or in a package that includes tools coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc.

carpet rollsWe are looking to write small to medium sized NJ FLOOR COVERING CONTRACTORS who do most of the work themselves with very little work sub-contracted out, i.e. no “paper” contractors who sub-out most of the work.

Coverage for New York city is limited. We can insured the occasional job in NYC. Primary business must be in New Jersey.

We can provide General Liability alone or in a package that includes tools, equipment, supplies, installation floaters, commercial automobiles, commercial umbrella. etc.

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 is very little.

Here are two typical GENERAL LIABILITY packages for a one-person operation. If you are interested, please call.

Quote #1

  • $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

$643. annual premium

Quote #2

  • $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

$738. annual premium

Add $150. for tool coverage

*occurrence mean limit per claim, *aggregate means limit per year


Learn more about LIABILITY INSURANCE FOR CONTRACTORS