New Jersey contractor general liability insurance

New Jersey contractors face a different market than their NY counterparts. The state requires registered home improvement contractors to carry $500K in general liability minimum, and most commercial and municipal jobs require $1M per occurrence / $2M aggregate — with additional insured endorsements naming the project owner, GC, and often the municipality.

Workers comp is mandatory the moment you have any employees in New Jersey, including part-time or seasonal. NJ workers comp rates vary heavily by trade — roofing, framing, and excavation classifications run dramatically higher than electrical or HVAC, and your experience modification factor materially affects your premium after a few years.

Asured connects you with a broker licensed in New Jersey who shops your trade across multiple carriers and handles the COIs, additional-insured endorsements, and renewals — so you can bid jobs across the tri-state without paperwork bottlenecks.