Locations: Florham Park, NJ and Marysville, PA

New Jersey (NJ) Home Theatre (Theater) Installation Contractor Insurance

The Franchino Agency specializes in insurance for New Jersey contractors especially NJ HOME THEATRE (THEATER) INSTALLATION, HOME AUTOMATION, AUDIO, VIDEO, TV, TELEVISION INSTALLATION, SATELLITE INSTALLATION, SERVICE AND REPAIR, AUDIO / VISUAL (AV).  This includes installation of data wiring, telephone wiring, computer wiring, computer networks, etc.  Any wiring under 24 volts.  We can also accomodate you if you install fire, burglar and smoke alarms.

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

We are looking to write small to medium sized 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.

General liability limits are available in the amounts of: $500,000. or $1,000,000. One million coverage is almost always choosen because the difference is very little.

Here are two typical GENERAL LIABILITY packages 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, please call and ask for James Franchino. I need to speak with you and obtain detailed information about your business 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

Premium starts at $518. annual premium (currently the same premium as 1 million coverage)

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

Premium starts at $518. annual premium

Add $150. for tool coverage

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

 

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Application for Telecommunications Contractor Wiring Excemption

(We don’t write roofers, home inspectors, or any contractor who sub-contracts out most of their work to other contractors)