The NJ Contractor Insurance Blog.
Coverage explainers, compliance guides, NJ trade rules, and claim lessons. Insurance content only — the business-growth material lives on a separate site. No fluff, no filler.
NJ Contractor Insurance Requirements — The Complete Guide
Workers Comp by statute, HIC contract requirements, common GC requirements, lender and public-work requirements — what NJ actually requires, in one place.
What Your COI Actually Needs (and Why Most Subs Get It Wrong)
An ACORD 25 walkthrough: additional insured wording, primary & non-contributory, waiver of subrogation, 30-day notice — and the gaps subs keep sending GCs.
NJ Workers Comp for Contractors — Officers, Subs, and the State Fund
Officer coverage rules, sub WC certificates and audit exposure, the State Fund as residual market, and class-code and ex-mod basics.
Labor Law 240 — What NJ Contractors Need to Know About NYC Work
The NY Scaffold Law, absolute liability for gravity-related injuries, the pricing impact, and when to refer to a NYC specialist.
General Liability Limits Most NJ Contractors Are Carrying Wrong
$1M/$2M vs. higher limits, the umbrella math, per-project aggregate, products-completed limits, and the real cost of being underinsured.
Tools and Equipment Insurance Most NJ Contractors Skip (and Shouldn’t)
Standard property excludes tools off premises. Installation floater, theft frequency, scheduled vs. blanket — the coverage hiding in plain sight.
Additional Insured, Primary and Non-Contributory — Explained
What AI endorsements actually do, primary-vs-excess wording, the contract language that matters, and how to fix the common mistakes at bind.
NJ Prompt Payment Act, Contractor Lien Rights, and Why Bonds Matter
The Prompt Payment Act for contractors and subs, mechanics lien rights and timeframes, and how payment and performance bonds protect you.
Builders Risk vs. Installation Floater — When You Need Which
The two coverages compared: who buys what, project policy vs. reporting form, and where soft-costs and delay coverage fit.
HIC Registration and What It Means for Your Insurance
NJ Home Improvement Contractor registration, required disclosures, the insurance tied to HIC, and what carriers ask at quote.
Why Contractors Keep Getting Non-Renewed and How to Fix It
Loss frequency, severity, class-code creep, payroll growth, audit issues — why carriers walk, how to position for renewal, and when to move to E&S.
The NJ Construction Defect Statute of Repose — Explained
The 10-year repose period, how it interacts with products-completed limits, and the long-tail claim exposure it creates for trades.
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