Contractors Insurance In NJ: Protecting your Business

Contractors face unique risks every day on the job site. Whether you’re building a new home, renovating a kitchen, or handling electrical work, accidents and unexpected costs can happen. That’s why contractors insurance is one of the most important investments you can make in your business.

At BIS Improved Insurance, located in Morris Plains, NJ, we’ve specialized in helping NJ contractors protect their businesses for nearly 50 years. From general liability to equipment coverage, our goal is to make sure you’re covered—so you can focus on building.

🔑 What Does Contractors Insurance Cover?

1. General Liability Insurance
   Protects against third-party claims for property damage, bodily injury, or accidents that happen on the job site. Many clients won’t even let you start work without proof of this coverage.

2. Workers’ Compensation
   Required by NJ law if you have employees. Covers medical bills and lost wages if a worker is injured on the job.

3. Commercial Auto Insurance
   Personal auto insurance usually won’t cover vehicles used for work. Contractors need business auto coverage for trucks, vans, and trailers.

4. Contractors’ Equipment Coverage
   Tools, trailers, and machinery are often the lifeline of your business. Equipment coverage protects them against theft, damage, or loss.

5. Surety Bonds
   Often required for larger projects, bonds guarantee your work will be completed as promised.

📋 Why It Matters for Contractors

• Job Site Requirements: Many clients require a certificate of insurance before you can even start a project.

• Legal Compliance: Workers’ comp and certain coverages are mandated in New Jersey.

• Peace of Mind: Protects your business financially if the unexpected happens—whether it’s a claim, accident, or equipment loss.

🏗️ Partner with BIS Improved Insurance

As a family-owned agency with deep roots in Morris County, we understand the needs of local contractors. We pride ourselves on fast certificate turnaround times, competitive pricing, and personalized coverage that grows with your business.

👉 Ready to review your contractor insurance coverage? Call us today at 973-683-1000 or request a quote online.