Commercial Building Contractors

We insure Commercial Building Contractors in New Jersey! If you subcontract out 40% or more of your work, we are excited to write your policy if you meet the following criteria. If you cannot meet these criteria, we do not have a program for you.

If you are a small, 1-4 person, and mostly residential contractor who subcontracts out less than 40% of your work, see our home improvement contractor page.

You must provide us proof of all of the items below when requesting a quotation:

• Continuous general liability insurance for at least 3 years with no claims, or only small claims – “Loss Runs.”
• Owners & employees must be on the job site and “hands-on” 40% or more of the time.
• Subcontracting cannot exceed 60% of total work on an annual basis.
• Certificates of insurance with your business named as additional insured must be obtained from all subcontractors.
• Properly prepared contracts between the subcontractors and your business must be in place for at least 3 years. Contracts must include a “hold harmless” agreement in your favor.

Types of Work Allowed

• Commercial, institutional, and light industrial general contractors with gross receipts of up to $75 million.
• Interior and exterior work.
• Very limited amount of work in New York.
• Commercial and residential work.

Types of Coverage Available

• General Liability
• Commercial Auto
• Workers' Compensation
• Tool & Equipment Floater
• Umbrella
• Builders Risk