New Jersey, NJ Handyman Contractors Insurance

Franchino Insurance specializes in insurance for New Jersey Artisan Contractors and currently insure over 1800 Contractors of all types including Handymen – Handypersons, Home Improvement Contractors, Carpenters, etc.

We would like to provide coverage for . . .

• General Liability
• Tool & Equipment Floater
• Commercial Auto
• Workers Compensation
• Commercial Umbrella

We want to write the NJ Handyman – Handyperson!

We have several programs for small to medium sized contractors. Residential, or commercial work. New home building, additions, renovations, handyman work.  Kitchen, baths, basements, etc. Carpentry, door & window installation, painting, drywall, repairs, odd jobs, etc.  Coverage for New York City is limited. We can insure the occasional job in NYC.  Primary business must be in NEW JERSEY.

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.

Here is a typical GENERAL LIABILITY package for a ONE-PERSON OPERATION. If you have employees, please call for a custom quotation needs to be generated for you. If you are interested, complete the contractor survey form or call to provide information about your business operations such as ownership, number of employees, type of work done, etc. After this information is obtained, a detailed customized quotation will be sent and/or emailed to you along with an application.

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

Approximate annual premium $795 – 900. for one person operation

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
• $1,000,000 — products and completed operations aggregate*
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

Approximate annual premium $905. to $1,100. for one person operation

Add $200. for a tool & equipment package.

EDUCATION & INFORMATION

NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW INFORMATION

LIABILITY INSURANCE FOR CONTRACTORS

INFORMATION ABOUT BUSINESS TYPES (LLC’S, CORPORATIONS ETC.)