Contractor Insurance in New Jersey That Protects Your Work, Your Team, and Your Business

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Whether You Build Homes or Fix Leaks - You Need Strong Protection Behind You

Whether you’re a general contractor managing full builds or a self-employed plumber, electrician, carpenter, or HVAC specialist, the right insurance keeps your business compliant and protected. Most New Jersey contractors need proof of insurance to get licensed, secure jobs, or step onto a job site—and coverage like workers’ comp is often required when you have employees or work on regulated projects. One accident, one injury, or one property damage claim can derail a job or shut down a small contracting business, which is why professional liability protection can be critical for contractors whose work, advice, or designs could be questioned. With over 100 years serving the New Jersey construction and trades community, we make insurance simple, affordable, and tailored to your line of work.

Person kneeling, wearing safety vest and hard hat, inspecting baseboard near window in a room with wood flooring.

Trusted by Contractors Across New Jersey

Five black stars.

Very helpful, friendly, experienced and efficient staff who can help you get multiple kinds of insurance from auto to business. They know the local market and it was a pleasure to work with Dawn.


- Rita L.

Five black stars in a row.

Excellent Experience! Attentive Honest and very helpful


- Debra R.

What We Help With

General Liability Insurance
Protects you if you accidentally damage a client’s property (like breaking a window during an install) or if someone is injured on your job site. Most New Jersey contractors are required to carry general liability insurance—often with limits of at least $500,000–$1M—to obtain licensing, win contracts, or work with property owners. While this is a foundational policy, it’s often paired with broader small business insurance solutions to fully protect your operations.


Learn About Liability Coverage →


Workers’ Compensation Insurance
Required in New Jersey if you have employees, workers’ compensation insurance covers medical care, lost wages, and rehabilitation if a worker is injured on the job. It also protects your business from costly lawsuits related to workplace injuries, making it a critical compliance requirement for contractors across all trades.


Learn About Workers’ Comp →


Tools & Equipment Coverage (Inland Marine)
Covers stolen, lost, or damaged tools—from power drills to larger equipment—whether they’re on-site, in transit, or stored in your vehicle. This type of coverage is often included as part of a broadersmall business insurance package and is especially important for contractors who rely on mobile tools to earn a living.


See Business Coverage Options →


Commercial Auto Coverage
Protects work vans, pickups, and service trucks used for jobs, hauling tools, or transporting materials. Personal auto policies typically exclude business use, so commercial auto coverage is essential for contractors who drive as part of their daily operations.


Contractor Bonds (Where Applicable)
Some municipalities, licenses, or projects require contractor bonds—such as license bonds or permit bonds—before work can begin. We help you understand when bonding is required and secure the right bond quickly so projects aren’t delayed.


Builder’s Risk (For Construction Projects)
Covers structures under construction from theft, vandalism, storms, and unexpected damage during the build phase. Builder’s risk is a specialized form ofcommercial property insurance designed to protect materials, labor, and partially completed structures until the project is finished.

Two men in hard hats examine blueprints at a construction site near a small excavator.

How We Make Contractor Insurance Simple

New Jersey’s boating season comes with a mix of excitement and risk. We simplify everything so you can focus on enjoying your time on the water.

01

Tell Us About Your Vessel

We look at your boat type, age, horsepower, and storage location.

02

Review Your Marina or Lender Requirements

Some facilities require specific limits—our team helps you stay compliant.

03

Compare Multiple Carrier Options

We shop top-rated marine insurers for strong coverage at a fair price

04

Adjust for NJ’s Seasonal Boating Needs

Off-season layup credits and winter storage adjustments help reduce your premium.

Contractor Insurance Questions, Answered Clearly

  • What insurance is required for NJ home improvement or general contractors?

    Most need general liability (commonly $500k–$1M) and workers’ comp if they have employees. Some projects also require commercial auto or bonds.

  • Do I need workers’ comp if I’m a one-person operation?

    Sole proprietors can exempt themselves, but many job sites require proof of workers’ comp anyway. Some choose a “ghost policy” to meet contract requirements.

  • What is a Certificate of Insurance and how do I get one?

    It’s proof of coverage often required before work begins. Once insured with Mesanko, we issue certificates quickly whenever you need them.

  • Does contractor insurance cover subcontractors?

    Subs typically need their own liability and workers’ comp policies. You can request to add them as additional insured when needed.

  • Do I need builder’s risk?

    If you’re constructing or renovating structures, builder’s risk protects the project while it’s in progress. It’s recommended for larger jobs.

Protect Your Business Before the Next Job Starts

One accident, tool theft, or injury can set you back thousands — or stop work entirely. We help New Jersey contractors secure strong, affordable coverage so you can focus on the job, not the risk behind it.