Your Whole Program,
Quoted Once.
Not six separate fights.
General Liability, Workers Comp, Commercial Auto, Tools, Umbrella, Builders Risk — one intake, one quote, every line your contracting business actually needs. Built in Flemington for NJ contractors of every scale.
Six coverage lines. One agency. One conversation.
General Liability
Slips, falls, damaged property, completed-work claims. Most NJ contracts require $1M/$2M — and most contractors carry it wrong. We fix the limits and the endorsement structure at bind, not at claim time.
Workers Compensation
Required in NJ for any employee, including most officers — different from PA and NY. We place AmTrust, The Hartford, Travelers, and Nationwide, plus the NJ State Fund as residual.
Commercial Auto
Work trucks, equipment haulers, employee drivers. Most NJ contractors are running personal auto policies that exclude business use. When the claim happens, the carrier denies. We fix that.
Tools & Equipment
Your tools, your trailer, your installation floater for materials in transit and on job sites. Standard property doesn't cover this — your tools live off-premises. We bundle it in.
Commercial Umbrella
Extra limits over your GL, Auto, and Employer's Liability. The single most under-bought coverage in NJ contractor insurance — and the one that saves you when $1M GL isn't enough.
Builders Risk
Coverage for the structure under construction. Required on most commercial jobs and a lot of higher-end residential. Written project-by-project or on an annual reporting form — whichever fits.
Painters aren't roofers. We work them separately.
Don't see your trade? Hit the quote button — we write more than this list, and we'll tell you straight if you're not a fit.
We specialize in one thing: protecting and growing NJ contractors.
Construction insurance experts
This is what we do, all day, every day. We know the trades, the class codes, the contract language, and the NJ rules cold — because contractors aren't a side business for us, they're the business.
The markets contractors need
Access to the carriers that actually want your trade — standard markets for the clean accounts, specialty markets for the harder ones. The right home for your business, not whatever a generalist can scrape together.
We wrote the book
Literally. We wrote the book on Contractors Insurance — and on AI in Construction. The expertise and specialization that most NJ agencies don't have, we put on paper. That's the depth standing behind your program.
Three things. All earned.
We know the trades.
Painters aren't roofers. Plumbers aren't electricians. Restoration isn't framing. Every trade has its own placement realities — its own carrier appetite, its own endorsement issues. We work them all separately, not as one generic contractor pool.
We know the markets.
Travelers, Nationwide, The Hartford, AmTrust, Allstate, Nat Gen, Cumberland Mutual, Farmers of Salem, Plymouth Rock, Preferred Mutual, Merchants Mutual, Geico, Foremost, and Next — plus E&S markets for the harder placements. We have access to where you need to be.
We know the state.
NJ has its own rules — HIC registration, electrical and plumbing licensing, Workers Comp officer requirements, Prompt Payment Act, contractor lien rights, the construction defect statute of repose. We work with them every day.
“A contractor doesn’t find out his policy was wrong until he has a claim. That’s the worst possible moment to learn it. My job is to make sure that moment never happens.” Jeff Friedlander · Founder, Friedlander Associates, Inc.
Quick answers to the things most contractors ask first.
How fast can I get a quote?
Can you quote all my lines at once?
Do you write small contractors?
What if I have a few claims on my record?
I do some work in New York City — does that change anything?
What's Crazy Rich Contractors?
The questions kept repeating. So he wrote them down.
The Contractor's Insurance Handbook is the plain-English answer to the fifty questions Jeff had already answered fifty times — the contract requirements nobody explains, the exclusions nobody points out, and the gaps contractors only find at claim time.
Quote your whole program in one place.
General Liability, Workers Comp, Commercial Auto, Tools, Umbrella, Builders Risk — all in one intake. Most contractors save time and money by quoting the full stack with us instead of running six separate quote events with six separate agents.