Locations: Florham Park, NJ and Marysville, PA

New Jersey Remodeling Contractor Insurance

Remodeling Contractors in New Jersey should consider the Franchino Agency for their insurance needs.

We write insurance for the contractor who does: Residential, or commercial work. New home building, additions, renovations, handyman work. Kitchen, baths, basements, window and door installation, drywall, siding, etc.

Framed House

We currently insure over 1800 Contractors and can provide General Liability alone or in a package that includes tools coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc. Our preferred programs are taylored for the small to medium sized New Jersey Contractors where the owners and employees do most of the work themselves. Very little work should be subcontracted out.

No separate roofing jobs, no alarm or fire sprinkler work. No coverage for New York.

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 are two typical GENERAL LIABILITY package for a one-person operation. If you are interested, please call or complete the survey below.

Quote #1 – 1/2 million

  • $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
$1,069. annual premium which includes a $5,000. tool & equipment package
add $205. for each part time employee under 30 hours a week
add $613. for each full time employee or for each owner

 

Quote #2 –  million

  • $1,000,000 — bodily injury and property damage combined, per occurrence premises and operations, other than completed operations
  • $2,000,000 — bodily injury & property damage, combined, aggregate
  • $1,000,000 — products and completed operations
  • $2,000,000 — products and completed operations aggregate
  • $100,000 — legal liability
  • $10,000 — medical payments to other than employee
$1,172. annual premium which includes a $5,000. tool & equipment package
add $238. for each part time employee under 30 hours a week
add $714. for each full time employee or for each owner

 

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

GET A QUOTATION:

Complete an ONLINE SURVEY FORM

Complete a form that you can print out then fax or mail to us.

Information:

NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW INFORMATION

LIABILITY INSURANCE FOR CONTRACTORS

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