New Jersey (NJ) Locksmith Contractors Insurance

lock The Franchino Agency specializes in insurance for New Jersey contractors. 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.

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 chosen because the difference is very little.

Here is two typical GENERAL LIABILITY package 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

$519. annual premium

Quote #2

$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

$519. annual premium

Add $150. for tool coverage

occurrence mean limit per claim
aggregate means limit per year