NJ Specialty Trades Insurance | NJCIC

Who We Write in This Trade

Specialty contractors across NJ — anyone working a niche trade outside the 14 trades listed in our hub. Tell us what you do and we’ll place it.

Carrier Appetite

Varies by trade. Many specialty trades fit standard market (sealcoating, gutter, garage door, fencing). Some have known harder-placement reality (basement waterproofing, foundation repair, solar). We tell you straight which market your trade routes to.

The Coverage Stack You’ll Want

• GL — $1M/$2M. Trade-specific exposure varies — we ask the right questions at quote based on your operation.
• 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

• Pools (in-ground) — drowning exposure on completed-operations is severe; tighter carrier appetite.
• Solar/PV — cross-trades with roofing and electrical. Carrier panel is narrowing but still placeable.
• Basement waterproofing / foundation repair — products-completed claims are common (continuing water intrusion). Harder placement.
• Sealcoating, gutter, garage door, fencing — broad standard market for most operations.
• Tell us your trade. We’ll route it correctly and tell you the market reality upfront.

Specialty Trades We Write

Eight specialty trades have their own page with carrier notes, NJ considerations, and FAQs. Don’t see yours? Hit the quote button — we write more than this list.