Comprehensive Coverage for Your Trade
Commercial Construction Insurance in Bergen County, NJ
Comprehensive insurance solutions for commercial construction projects in Bergen County. From office buildings to retail centers, we protect your business against the unique risks of commercial development.
New Jersey Insurance Requirements
General Liability with appropriate limits
Builders Risk for project value
Commercial Auto for all vehicles
Workers Compensation for all employees
Umbrella policy for larger projects
Subcontractor insurance certificates
Common Risks We Cover
Construction Defects
Structural issues or building envelope failures
Schedule Delays
Weather, material shortages, or labor issues causing delays
Third-Party Injuries
Injuries to visitors, tenants, or passersby
Property Damage
Damage to existing structures or neighboring properties
Contract Disputes
Claims related to scope changes or payment issues
Environmental Liability
Pollution or contamination during construction
Comprehensive Coverage Options
Builders Risk
Coverage for buildings under construction
General Liability
Protection against third-party claims
Professional Liability
Design-build and construction management errors
Equipment Coverage
Cranes, excavators, and specialized equipment
Commercial Auto
Fleet and specialized vehicle coverage
Excess Liability
Additional limits for large projects
Serving Bergen County Commercial Constructions
Notable Projects
- The Modern Englewood - Mixed-Use Development
- Hackensack University Medical Center Pavilion
- Bergen Town Center Renovation
- Teaneck Corporate Center
- Fort Lee High-Rise Office Complex
Common Questions About Commercial Construction Insurance
What insurance do I need for commercial construction in Bergen County?
Commercial construction requires comprehensive coverage including General Liability, Builders Risk, Workers Compensation, and Commercial Auto. Bergen County projects often require higher limits due to property values. We recommend umbrella coverage for larger projects.
How is Builders Risk different from General Liability?
Builders Risk covers the actual building under construction against damage from fire, weather, theft, and vandalism. General Liability covers third-party bodily injury and property damage claims. Both are essential for commercial construction projects.
Do I need to verify subcontractor insurance?
Yes, always collect certificates of insurance from all subcontractors showing adequate General Liability and Workers Compensation. Without proper verification, you could be liable for their accidents. We can help set up a certificate tracking system.
What about coverage for green building projects?
Green building and LEED projects may require specialized coverage for sustainable materials, certification requirements, and environmental standards. We offer endorsements specifically designed for sustainable construction projects in New Jersey.
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Protect your business with comprehensive insurance coverage