Contractor Insurance for NJ & PA Businesses
Contractors face daily risks on job sites — from property damage and injuries to equipment theft and liability claims. Contractor insurance protects plumbers, electricians, roofers, landscapers, and other trades across New Jersey and Pennsylvania with coverage designed for their work. With the right policy in place, you can focus on projects while we handle the risks.
Our coverage options can include general liability, workers compensation, commercial auto, tools and equipment coverage, and property protection. Whether you’re an independent contractor or running a growing crew, we’ll match you with policies that meet local requirements and keep your business secure.
General Liability Coverage
General liability protects contractors from third-party claims of property damage or bodily injury. It’s often required before you can start a job or bid on projects.
Workers Compensation Coverage
Workers comp covers medical expenses and lost wages if an employee is injured on the job. This coverage is required for most contracting businesses in NJ & PA.
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Ready to explore customized options for your business? Request a quote today, and let us find the right fit for your insurance needs.
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From the Blog...
Contractor Insurance in NJ: Protecting Your Trade and Your Team
On the jobsite in New Jersey? Make sure your contractor insurance covers the most common risks before your next project begins.
Contractor Insurance in New Jersey – Why It Matters
If you’re a plumber, roofer, electrician, or landscaper in New Jersey, you already know the risks your business faces every day.
Your Questions, Our Answers
It can include general liability, workers comp, commercial auto, property coverage, and protection for tools and equipment.
Yes. Liability insurance protects you from claims of property damage or injury caused by your work, and many jobs require proof of coverage.
Rates vary by trade, number of employees, vehicles, and project size. Smaller contractors may pay only a few hundred dollars per year, while larger operations need more coverage.
In most cases, yes. If you have employees, NJ and PA law requires workers comp to cover job-related injuries and lost wages.
Yes. Equipment coverage can help replace or repair tools if they’re stolen, damaged, or destroyed on the job.
Yes. Commercial auto policies cover trucks, vans, and other vehicles used for your contracting business.
Plumbers, electricians, roofers, carpenters, landscapers, painters, and general contractors all benefit from tailored insurance coverage.
Request a quote through our team. We’ll compare carriers and create a policy designed around your trade and business needs.