The Full Coverage Stack for NJ Contractors
Six coverage lines every working NJ contractor should think about. Four more on the V2 roadmap. Quote your whole program in one intake — not six separate quote events with six separate agents.
Most NJ contractors are buying insurance one line at a time. It costs them.
General Liability
The foundation every NJ contractor carries. $1M/$2M is standard — but the limit isn't the whole story. Structure (AI, primary & non-contributory, waiver of subrogation, per-project aggregate) is what determines whether your policy actually responds.
Workers Compensation
NJ requires WC for any employee, including most officers — different from PA and NY. Class codes can swing your premium 30–100%. We work AmTrust, The Hartford, Travelers, and Nationwide, plus the State Fund.
Commercial Auto
Work trucks, vans, trailers, employee drivers. The single most common gap in NJ contractor insurance is personal auto policies on business vehicles — they exclude business use. 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 commercial property doesn't cover tools off premises — and that's where most of your tools live. We bundle it in.
Commercial Umbrella
Extra limits over your GL, Auto, and Employer's Liability. A $1M GL isn't enough for a serious bodily injury claim — and an umbrella gives you $1M, $2M, $5M, or more for fractions of what those higher limits cost on each policy.
Builders Risk
Coverage for the structure under construction. Required on most commercial jobs and a lot of higher-end residential. Project-by-project or annual reporting form, whichever fits your work flow.
Four more lines on the way.
Contractors Pollution Liability
Pollution-related liability arising from your contracting operations. Restoration, excavation, environmental remediation — standard GL excludes it. CPL fills the gap.
Professional Liability
Design-build, MEP design, project management. If your work product includes design or professional judgment, GL doesn't cover financial-loss claims. Pro Liability does.
Surety Bonds
Bid bonds, performance bonds, payment bonds. Travelers Surety and additional surety market partners. Tell us you need a bond — we'll set you up.
Employment Practices
Wrongful termination, discrimination, harassment, retaliation. Increasingly relevant as contractor operations scale past 5–10 employees.
About the coverage stack.
Do I have to buy all six lines from you?
Can I get a quote without committing to anything?
How long does the multi-line quote take?
What if my current agent has my WC but not my GL?
Who handles claims?
Quote the full stack in one intake.
GL, WC, Auto, Tools, Umbrella, Builders Risk — one form, one quote, one renewal anchor. 5–7 minutes. We'll come back with the program, not just a number.