Comprehensive Coverage for Construction Professionals
Protect your construction business from lawsuits with comprehensive general liability coverage designed specifically for contractors.
General liability insurance is the foundation of your construction business protection. It covers claims from third parties for bodily injury and property damage that occur during your operations. In New Jersey, most contracts require minimum GL coverage, and without it, a single accident could bankrupt your business.
Every construction professional in New Jersey needs GL coverage
Required for all commercial projects and most residential work
GCs require subs to carry GL with additional insured status
NJ requires GL for HIC license registration
Electricians, plumbers, HVAC techs all need trade-specific GL
Heavy equipment increases property damage exposure
Builders risk often requires underlying GL coverage
Medical expenses and legal costs when someone is injured on your job site
Repairs or replacement when you damage client property
Claims arising from your work after project completion
Claims from materials or products you install
Libel, slander, and copyright infringement claims
Minor medical expenses regardless of fault
Injuries to your employees (requires Workers Comp)
Mistakes in design or planning (requires E&O)
We cover attorney fees and court costs even if claims are groundless
Protection follows you to job sites throughout the United States
Easy to add property owners, GCs, and municipalities as required
Most GL policies have zero deductible - we pay from dollar one
Monthly payment options available with no interest charges
Report claims anytime with dedicated construction claims adjusters
Get an accurate quote based on your specific needs
Get Custom QuoteProperty damage coverage paid for vehicle repairs
Outcome: $8,500 claim paid, no lawsuit
Completed operations covered flooring replacement
Outcome: $45,000 claim resolved
Bodily injury paid medical bills and settlement
Outcome: $125,000 total claim
Most contracts require minimum limits of $1 million per occurrence and $2 million aggregate. Larger projects may require $2/$4 million or higher. We recommend discussing your typical contracts with our agents to ensure adequate coverage.
No, GL covers damage you cause to others' property, not your own. You need inland marine or contractors equipment coverage for your tools. We can bundle these coverages for comprehensive protection.
Completed operations covers claims arising from your work after you've left the job site. For example, if faulty wiring causes a fire months later. This coverage is crucial as most construction claims happen after project completion.
Yes, we work with contractors who have claims history. While claims may increase premiums, our access to 20+ carriers means we can find coverage for most contractors. We'll help you implement safety measures to prevent future claims.
It extends your GL coverage to other parties like property owners or general contractors. Most construction contracts require you to add the hiring party as additional insured. We can add these endorsements quickly, often same-day.
Consider these additional coverages for comprehensive protection
Get your General Liability Insurance quote in minutes. Our experts are standing by to help you find the right coverage.