Contractor Insurance
in New Jersey
Fast, Affordable Insurance for New Jersey Contractors
New Jersey contractors work in one of the most regulated and densely populated states in the country, which means you need insurance that’s both compliant and cost-effective. Whether you’re roofing in Newark, wiring homes in Trenton, or building in the suburbs, your policy needs to meet strict liability laws and local jobsite requirements.
At Affordable Contractors Insurance (ACI), we help New Jersey contractors get insured quickly, affordably, and with full compliance. With low down payments and same-day certificates, you’ll be ready for permits, inspections, and contracts—without delays.
Why Contractors in New Jersey Choose ACI
NJ Compliance Experts
We know New Jersey’s licensing and insurance regulations
Same-Day Certificates
Fast proof of coverage to secure jobs and permits
Affordable Payment Options
Start your policy with just 20% down
Multi-Policy Discounts
Save up to 25% by bundling coverages
Custom Trade Coverage
Insurance built around your tools, crew, and risk profile
Insurance Coverage We Offer in New Jersey
We provide full-service coverage to protect your crew, tools, jobsites, and business:
- General Liability Insurance
Protects against third-party injuries, property damage, and legal costs. Often required to register as a Home Improvement Contractor (HIC) in New Jersey.
- Workers’ Compensation Insurance
Covers injuries, medical expenses, and lost wages. Required for all NJ contractors with one or more employees.
- Commercial Auto Insurance
Covers work trucks, vans, and trailers from collisions, theft, and liability. Required for all business-use vehicles.
- Tools & Equipment Insurance
Covers hand tools, machinery, and equipment against damage or theft—on-site or in transit.
- Builder’s Risk Insurance
Temporary coverage for structures under construction, including materials and labor from fire, weather, or vandalism.
- Professional Liability Insurance
Protects against design errors, project delays, and financial losses due to professional oversight or contract issues.
Who We Cover in New Jersey
ACI provides tailored coverage for contractors across the Garden State, including:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
Whether you’re operating in North Jersey or along the Shore, ACI helps you stay compliant, competitive, and protected.
How Much Does Contractor Insurance Cost in New Jersey?
Contractor insurance premiums in New Jersey depend on a variety of business-specific factors:
Cost Factors
- Type of Work
Higher-risk trades like roofing or excavation typically cost more than lower-risk services.
- Business Size
The more employees or payroll you have, the higher your premium.
- Coverage Limits
Increased limits raise your protection—and your cost.
- Claims History
Fewer or no claims usually means lower rates.
- Location & Risk Profile
Urban vs. suburban work, local theft rates, and project types may all affect pricing.
Get a quote in minutes and see what your monthly rate looks like—customized for your business.
New Jersey Contractor Insurance Requirements
New Jersey has strict rules around contractor licensing and mandatory coverage types:
General Liability Insurance
New Jersey Home Improvement Contractors (HIC) must carry liability insurance and provide proof to the Division of Consumer Affairs.
Workers’ Compensation Insurance
If your business employs even one person, you’re required to carry workers’ comp under NJ law.
Commercial Auto Insurance
Vehicles registered for business use must be covered by a commercial auto policy.
Requirements may vary by trade, county, and project type—ACI can guide you through the latest state requirements.
Get a Free Contractor Insurance Quote
in New Jersey
Get insured today with a policy built for your business, your trade, and New Jersey’s complex compliance landscape. ACI makes it fast and easy.