If you’re a plumber, roofer, electrician, or landscaper in New Jersey, you already know the risks your business faces every day. From job site accidents to property damage claims, one mistake could cost thousands. That’s why having contractor insurance in NJ isn’t optional — it’s essential. The right policy not only protects your company financially but also gives you peace of mind so you can focus on running your business.
The Risks Contractors Face
Contractors are exposed to hazards on every project:
- Accidents that injure workers or bystanders
- Property damage from tools or equipment
- Lawsuits from dissatisfied clients
Even something as small as a ladder fall or a cracked pipe can spiral into a costly lawsuit. Without contractor liability insurance, one claim could drain your savings or shut down your business altogether.
Essential Coverages for Contractors
The right coverage should include:
- General Liability Insurance to cover bodily injury and property damage
- Workers Compensation Insurance to protect employees
- Commercial Auto Insurance for trucks, vans, and service vehicles
Together, these policies create a safety net that shields contractors from unexpected claims.
Why Local NJ Coverage Matters
New Jersey contractors face state-specific regulations. Partnering with a provider like MPL Risk ensures your policy meets compliance and is tailored to your trade. Our team understands the risks plumbers face are different from roofers or landscapers, and we make sure your policy reflects that.
Protect your business with contractor insurance in New Jersey today.
