Comprehensive Coverage for Construction Professionals
Contractors Insurance
Protect your contracting business with specialized insurance designed for the construction industry. From general liability to equipment coverage, we have you covered.
Essential Contractors Insurance Coverage
Build your policy with the right combination of coverages to protect your contracting business from common risks and contractual requirements.
General Liability
Core protection for bodily injury, property damage, and completed operations
- $1-2 million per occurrence
- Products & completed operations
- Personal & advertising injury
- Medical payments
Workers' Compensation
Required coverage for employee injuries and illnesses on the job
- Medical expenses
- Lost wages
- Rehabilitation costs
- Death benefits
Commercial Auto
Coverage for vehicles used in your contracting business
- Owned vehicles
- Hired & non-owned auto
- Equipment transport
- Employee drivers
Tools & Equipment
Protection for valuable tools and machinery
- Theft coverage
- Damage protection
- Replacement cost
- Rented equipment
Builder's Risk
Coverage for projects under construction
- Materials & supplies
- Work in progress
- Soft costs
- Natural disasters
Contractor Bonds
Required bonds for licensing and projects
- License bonds
- Bid bonds
- Performance bonds
- Payment bonds
Insurance by Contractor Type
Different contractors face different risks. We customize coverage based on your specific trade and project types.
General Contractors
Average Premium: $15,000-40,000/year
Common Risks:
- Multiple subcontractors
- Large project exposure
- Contract liability
Specialty Trades
Average Premium: $3,000-15,000/year
Common Risks:
- Trade-specific hazards
- Equipment damage
- Installation errors
Subcontractors
Average Premium: $2,500-10,000/year
Common Risks:
- Vicarious liability
- Contract requirements
- Work defects
Remodeling Contractors
Average Premium: $5,000-20,000/year
Common Risks:
- Existing property damage
- Occupied premises
- Customer property
Why Contractors Need Specialized Insurance
Standard business insurance doesn't cover the unique risks contractors face daily. From job site injuries to faulty workmanship claims, construction businesses need comprehensive protection designed for their industry.
Contract Requirements
Meet specific insurance requirements in construction contracts and bids
High-Risk Industry
Construction has 3x more claims than most industries
Asset Protection
Protect your business assets from costly lawsuits and claims
Project Delays
Coverage for delays and additional expenses due to covered losses
Common Contractor Claims
Bodily Injury
A visitor trips over equipment at a job site, resulting in $250,000 in medical bills and lost wages.
Covered by: General Liability
Property Damage
Faulty electrical work causes a fire, damaging the client's $500,000 home.
Covered by: General Liability
Tool Theft
$30,000 worth of tools stolen from a work van overnight.
Covered by: Tools & Equipment
Employee Injury
Worker falls from scaffolding, requiring surgery and 6 months of recovery.
Covered by: Workers' Compensation
Contractors Package Policies
Bundle your coverages for better protection and significant savings. Our contractors packages are tailored to your specific needs.
Basic Package
$2,500+
Per Year
- General Liability ($1M)
- Tools Coverage ($10K)
- Basic Bonds
Best for: New contractors, handymen
Standard Package
$5,000+
Per Year
- General Liability ($2M)
- Workers\' Comp
- Tools Coverage ($25K)
- Commercial Auto
Best for: Established contractors
Premium Package
$10,000+
Per Year
- General Liability ($5M)
- Umbrella Policy
- Builder\'s Risk
Best for: Large contractors, GCs
Ready to Protect Your Contracting Business?
Get comprehensive contractors insurance from Bergen County's construction insurance specialists. Quick quotes, competitive rates, and expert guidance.
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