General Contractor Insurance in New Jersey

You can save up to 25% in discounts on business insurance.*

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Number of businesses insured in New Jersey

Business insurance designed for general contractor business in New Jersey

Business insurance designed for general contractor business in New Jersey

NEXT makes business insurance unbelievably easy and affordable. Our coverage is tailored for general contractor business so you know you’re getting coverage that was designed with you in mind.  Insurance coverage for general contractor business in New Jersey often include:

  • General liability
  • Professional liability
  • Tools & equipment
  • Commercial property

You can save up to 25% on general contractor insurance in New Jersey

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Commercial Property
Per occurrence
$25,000
Get the general contractor business insurance in New Jersey that's just the right fit
We offer customized general contractor insurance policies to small businesses and the self-employed in New Jersey. Oh, and you save up to 10% when you bundle.
General Liability

General Liability

Protection for the injuries, accidents and damage you cause
General liability insurance covers a wide range of general contractor business accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by clients and licensing agencies.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Coverage against business mistakes and claims of negligence
Professional liability insurance (also known as errors and omissions or indemnity insurance) helps you defend yourself and your general contractor business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs. Tools and equipment insurance is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance is one of the most common types of small business insurance general contractor owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much should a General contractor in New Jersey expect to pay for business insurance?

How much should a General contractor in New Jersey expect to pay for business insurance?

Running a small business is a 24/7 job. That’s why NEXT makes it quick and painless to get the right coverage that’s customized exactly to your needs. A general contractor business in New Jersey has unique needs and we tailor our policy based on:

  • How many people are on your payroll
  • The state and city in which you work
  • The kind of work you do
  • The number and types of vehicles you use for work

It usually costs about $19 each month for business insurance for general contractor business in New Jersey.

When you can save up to 25% in discounts on business insurance, you can afford to invest in growing your small business. We’re here to make sure you always have the right amount and kind of coverage.

It's easy to get business insurance for your General contractor in New Jersey

It's easy to get business insurance for your General contractor in New Jersey

A general contractor business in New Jersey is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

  • Get a quote and buy coverage in less than 10 minutes.
  • Get proof of insurance when you need it with no waiting around.
  • Manage your coverage 24/7
  • Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

Frequently asked questions about general contractor business insurance

Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general contractor business insurance in New Jersey?

Yes, NEXT Insurance offers tailored general contractor business insurance in New Jersey.

Does NEXT Insurance offer Tools & Equipment coverage for general contractor business in New Jersey?

Yes, NEXT Insurance offers General Liability, Professional Liability, Tools & Equipment, Commercial Property coverage for general contractor business in New Jersey.

How does business insurance protect general contractors?

Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.

Damage to your own property

A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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More professions that are covered by NEXT

Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.