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Coverage Score
Coverages Checked
Required Coverages
Your Checklist
Protects against third-party bodily injury and property damage claims
Minimum Limits: $1M per occurrence / $2M aggregate
Required for all NJ contractors and most contracts
Covers employee injuries and illnesses on the job
Minimum Limits: State statutory limits
Mandatory in NJ if you have any employees
Covers vehicles used for business purposes
Minimum Limits: $1M combined single limit
Required if you own vehicles or employees drive for work
Protects tools, equipment, and materials anywhere
Minimum Limits: Actual equipment value
Essential for contractors with significant equipment investment
Covers projects under construction
Minimum Limits: Full project value
Often required by contracts for new construction
Covers materials and labor until project completion
Minimum Limits: Project value
Good for specialty contractors installing expensive materials
Extra liability coverage above primary policies
Minimum Limits: $1M minimum
Increasingly required for larger projects
Covers pollution-related claims
Minimum Limits: $1M per claim
Important for excavation, remediation, or HVAC work
Protects against data breaches and cyber attacks
Minimum Limits: $1M per claim
Increasingly important as contractors digitize
Required for contractor licensing in many municipalities
Minimum Limits: Varies by municipality
Check local requirements in Bergen County
Guarantees you'll enter contract if awarded
Minimum Limits: 5-10% of bid amount
Required for most public projects
Guarantees project completion per contract
Minimum Limits: 100% of contract value
Common for projects over $100K
Guarantees payment to subs and suppliers
Minimum Limits: 100% of contract value
Often paired with performance bonds
Covers employment-related claims
Minimum Limits: $1M per claim
Important as you grow and hire more employees
Protects against employee theft and fraud
Minimum Limits: $25K-$100K
Consider if employees handle cash or have access to accounts
Mandatory by law or for most contracts
Strongly advised for most contractors
Depends on your specific operations
You're missing 3 required coverage(s). This could leave you exposed to significant risks.
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