Specialized Coverage for Bergen County Contractors

Insurance for Every Construction Trade

From electricians to roofers, we provide tailored insurance solutions that understand the unique risks of your trade.

Specialized Protection

Why Trade-Specific Insurance Matters

Generic contractor insurance misses critical exposures. Each trade faces unique risks that require specialized coverage and underwriting expertise.

Proper Classification

Accurate trade classification ensures fair pricing and proper coverage for your specific operations.

Risk-Based Coverage

Coverage tailored to your trade's most common claims, from water damage to fall protection.

Competitive Pricing

Specialized underwriting means better rates for well-managed trade contractors.

All Trades

Select Your Trade for Specialized Coverage

General Contractors

Comprehensive coverage for GCs managing entire projects

Avg. Annual Premium:$5,000-$25,000

Common Risks:

  • Subcontractor liability
  • Project delays
  • Design errors
Learn More

Electricians

Specialized protection for electrical contractors

Avg. Annual Premium:$3,500-$8,000

Common Risks:

  • Electrical fires
  • Shock injuries
  • Code violations
Learn More

Plumbers

Water damage and liability coverage for plumbing pros

Avg. Annual Premium:$3,000-$7,500

Common Risks:

  • Water damage
  • Pipe bursts
  • Mold liability
Learn More

Roofers

High-risk coverage for roofing contractors

Avg. Annual Premium:$8,000-$20,000

Common Risks:

  • Falls from height
  • Weather damage
  • Fire from torches
Learn More

HVAC Contractors

Coverage for heating, cooling, and ventilation experts

Avg. Annual Premium:$4,000-$10,000

Common Risks:

  • Carbon monoxide
  • Refrigerant leaks
  • System failures
Learn More

Masons

Protection for masonry and concrete contractors

Avg. Annual Premium:$5,000-$12,000

Common Risks:

  • Structural failures
  • Falling objects
  • Material defects
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Painters

Coverage for painting and coating contractors

Avg. Annual Premium:$2,500-$6,000

Common Risks:

  • Overspray damage
  • Lead paint
  • Falls from ladders
Learn More

Carpenters

Insurance for framing and finish carpentry

Avg. Annual Premium:$3,000-$7,500

Common Risks:

  • Tool injuries
  • Structural issues
  • Fire hazards
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Landscapers

Green industry coverage including pesticide liability

Avg. Annual Premium:$2,500-$8,000

Common Risks:

  • Property damage
  • Chemical liability
  • Tree work
Learn More

Drywall Contractors

Coverage for drywall and acoustical contractors

Avg. Annual Premium:$3,500-$8,500

Common Risks:

  • Dust damage
  • Falls from stilts
  • Fire resistance
Learn More
Coverage Types

Essential Coverage for All Trades

General Liability

Foundation coverage protecting against third-party injuries and property damage claims.

Learn About GL →

Workers' Compensation

Required coverage for employee injuries, with rates varying significantly by trade.

Learn About WC →

Commercial Auto

Essential for work vehicles, tools transport, and employee drivers.

Learn About Auto →

Tools & Equipment

Protect valuable tools and machinery wherever your work takes you.

Learn About Tools →

Professional Liability

Coverage for design errors and professional advice, increasingly important.

Learn About E&O →

Contractor Bonds

License bonds, performance bonds, and payment bonds for various requirements.

Learn About Bonds →
Why Midland

Bergen County's Trade Insurance Experts

30+ Years Insuring Local Trades

  • Specialized programs for each trade's unique risks
  • Access to 20+ carriers for competitive pricing
  • Local knowledge of Bergen County requirements
  • Claims advocacy when you need it most
  • Safety programs to reduce premiums

Get Your Trade-Specific Quote

Tell us about your trade and get customized coverage options with competitive pricing from multiple carriers.