Trade · Siding & Exterior
NJ Siding & Exterior Insurance | NJCIC
Vinyl, fiber-cement, wood, EIFS. The first three place standard. EIFS (Exterior Insulation and Finish System) has its own carrier conversation — moisture intrusion claims are a known industry issue.
Who We Write in This Trade
Solo siding installers, full-service siding contractors, exterior trim and trim+siding operations, EIFS specialists.
Carrier Appetite
Standard panel: Travelers, The Hartford, Nationwide, AmTrust, Cumberland Mutual for vinyl, fiber-cement, and wood siding. EIFS narrower — some carriers exclude EIFS work entirely due to moisture intrusion claim history.
The Coverage Stack You’ll Want
- GL — $1M/$2M standard. Products-completed exposure on water intrusion behind siding. Fall-from-height during install.
- Workers Comp — required for any employee in NJ. Class codes matter — we audit them at quote.
- Commercial Auto — trucks, vans, trailers, employee drivers.
- Tools & Equipment — tools, trailers, installation floater if you install customer materials.
- Commercial Umbrella — recommended; sits over GL, Auto, and EL.
NJ-Specific Considerations
- EIFS — known industry-wide moisture intrusion claim history; some carriers exclude EIFS scope entirely. We confirm scope at quote and place accordingly.
- Fiber-cement — dust exposure during cutting (silica). Underwriters sometimes ask about cutting protocols.
- Wood siding / cedar shake — fire exposure; sometimes a sublimit on products-completed.
- Window installation — sometimes cross-trade with siding; check scope on the intake.
FAQ
Common questions.
Do you write EIFS contractors?
Yes, but the placement is tighter. Some standard carriers exclude EIFS due to moisture-intrusion claim history; we use the ones that don’t. Pricing reflects the exposure.
Solo siding installer — program cost?
Rough $2,200–$3,800/year for GL, Auto, Tools, Umbrella. WC adds $2K–$3.5K if electing in.
Water intrusion behind vinyl siding 3 years later — covered?
If products-completed operations is on the policy with continuous coverage. The carrier will investigate cause (install error vs. flashing failure vs. building envelope issue).
Silica dust from fiber-cement cutting — exposure?
OSHA crystalline silica rule applies. Underwriters may ask about cutting protocols and respirator use. Standard market accepts most operations with reasonable practice.
Cedar shake roofing — different conversation?
That’s roofing, not siding — see our roofers page. Different carrier panel.
Ready When You Are
Quote your siding & exterior program in one intake.
GL, WC, Auto, Tools, Umbrella — all in one form. We come back with a multi-line quote, not six separate quote events.