Contractor Insurance in New Jersey
General liability, workers' comp, tools & equipment coverage for NJ contractors. Electricians, plumbers, roofers, HVAC, general contractors — all trades covered.
$600/yr
GL Starting Price
Same Day
COI Available
All Trades
Covered
NJ Licensed
Agents
Contractor Insurance Coverages in NJ
General Liability
Covers bodily injury and property damage caused to third parties during your work — required by most NJ contractor licenses and job contracts.
Workers' Compensation
Mandatory in NJ if you have any employees. Covers medical bills and lost wages for workers injured on the job.
Commercial Auto
Covers your work trucks, vans, and trailers used for business. Personal auto policies don't cover business use.
Tools & Equipment
Covers hand tools, power tools, ladders, and small equipment from theft, loss, or accidental damage at job sites.
Builder's Risk
Covers structures under construction or renovation from fire, wind, theft, and vandalism during the build period.
Professional Liability
Covers errors in design, plans, or specifications — important for design-build contractors and engineers.
Contractor Trades We Insure in NJ
NJ Contractor Insurance FAQ
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