Comprehensive Coverage for Your Trade
Complete insurance solutions for general contractors in Bergen County, NJ. From residential renovations to commercial construction, we protect GCs of all sizes.
General Liability with $1M/$2M minimum limits
Workers Compensation for all W-2 employees
Commercial Auto for business vehicles
Builder's Risk for active projects
Subcontractor default insurance for larger GCs
Professional liability for design-build work
Liability for injuries to sub's employees on your sites
Damage to existing structures during renovation work
Claims arising after project completion
Faulty workmanship leading to damage or injury
Delays, change orders, and scope disagreements
Project delays due to weather causing financial loss
Essential coverage for third-party injuries and property damage
Protect projects under construction from damage and theft
Required coverage for employee injuries
Coverage for trucks, vans, and equipment transport
Performance and payment bonds for projects
Extra liability protection over primary policies
At minimum, you need General Liability and Workers Compensation (if you have employees). Most contracts also require Commercial Auto and often Builder's Risk. We recommend starting with a Business Owner's Policy (BOP) that bundles coverages for better rates.
Costs vary based on revenue, number of employees, types of projects, and claims history. Small residential GCs might pay $3,000-$8,000 annually, while larger commercial GCs can pay $50,000+. We shop multiple carriers to find the best rates.
Subcontractors should carry their own insurance, but you can be held liable for uninsured subs. Always require certificates of insurance naming you as additional insured. Consider subcontractor default insurance for added protection.
Annual policies cover all your work for the year and are usually more cost-effective. Per-project policies work for one-off jobs or when required by contract. Most GCs benefit from annual coverage with the ability to add project-specific endorsements.
Protect your business with comprehensive insurance coverage