Insurance Coverage for New Jersey Construction Companies
New Jersey construction company insurance shouldn’t feel like a guessing game—especially when your job sites, crews, and contracts change from project to project. At Blue Lion Insurance Advisors, we help New Jersey contractors protect what they’ve built with coverage designed for real-world construction risk: job-site injuries, property damage claims, vehicle accidents, tool theft, project delays, and contract insurance requirements.
From Monmouth County to Middlesex and Ocean County—and across the Garden State—construction leaders choose Blue Lion because we deliver The Right Insurance Coverage, at the Right Price with Superior Client Service!™ We’re an independent agency, so our loyalty is to you—not any one carrier.
📞 Call 732-649-1600
📩 Request a Free, Comprehensive Insurance Review
When the Job Site Changes, Your Insurance Has to Keep Up
Every contractor knows the story: a “simple” project expands, a new sub gets added, the owner wants different certificate language, or a delivery shows up early and materials sit exposed. One overlooked detail can lead to a claim—or a contract delay that costs you the job.
That’s why we build contractor insurance programs that are practical, contract-ready, and scalable—whether you’re a general contractor, a specialty trade, or a growing construction firm managing multiple crews and locations.
Construction Insurance Built for NJ Contractors
We tailor your program around your trade, subcontractor structure, project types, and the way you bid and build—so you’re not paying for gaps, overlaps, or coverage that doesn’t match your work.
General Liability Insurance (Construction Liability Insurance)
Protects your business when third parties allege bodily injury, property damage, or personal/advertising injury arising from your operations—often a baseline requirement for contracts and COIs.
Workers’ Compensation for Construction
Helps protect your team and your business when job-site injuries happen. We’ll align classifications and payroll reporting the right way—so your policy stays accurate as your crew changes.
Commercial Auto Insurance for Contractors
For pickups, vans, and work trucks used on the road and at job sites. We structure coverage for owned, leased, and hired/non-owned exposures—so a “quick run” to the supplier doesn’t become a financial shock.
Umbrella / Excess Liability
Extra limits over your underlying liability policies—often needed for larger projects, municipalities, commercial builds, and high-limit contract requirements.
Builders Risk (Course of Construction)
Project property coverage that can help protect structures and materials while a build or renovation is underway—especially important when owners, lenders, or project agreements require it.
Contractors Equipment + Inland Marine
Coverage designed for the realities of construction: tools, mobile equipment, and certain job-site materials that move between sites. This is a common solution for theft, transit losses, and job-site storage exposures.
Professional / Pollution / Cyber (When Your Scope Calls for It)
Design-build, consulting, remediation, data handling, and tech-enabled operations may need additional protection. We’ll recommend the right additions when your contracts—or your risk—demand it.
Risk Transfer That Helps You Win Jobs (and Avoid Gaps)
Construction insurance isn’t only about buying policies—it’s about keeping projects moving. We help you set up a cleaner risk-transfer workflow, including:
- COI reviews and consistent certificate wording
- Additional Insured (AI) requirements and endorsements
- Waiver of Subrogation and Primary/Noncontributory language (when required)
- Subcontractor compliance best practices to reduce “silent gaps”
How Blue Lion Builds Your Construction Insurance Program
- Discovery: We learn your trade, project mix, contract requirements, crew structure, vehicles, and equipment.
- Coverage Design: We engineer the right limits, deductibles, and endorsements—built around your exposure.
- Carrier Strategy: As an independent agency, we shop and negotiate for the best fit—not one-size-fits-all.
- Implementation + Service: COIs, changes, renewals, and support that’s responsive when you need it most.
Whether you’re focused on tighter contract compliance, better pricing, higher limits, or smarter protection, we’ll help you build an insurance program that supports growth—without slowing you down.
📞 Call 732-649-1600
📩 Request a Free, Comprehensive Insurance Review
Construction Insurance FAQ (NJ Contractors)
What insurance does a New Jersey construction company typically need?
Most contractors start with General Liability, Workers’ Compensation (if you have employees), and Commercial Auto. Many also add Umbrella/Excess Liability, Contractors Equipment/Inland Marine, Builders Risk (course of construction) for certain jobs, and Professional Liability depending on your scope.
How fast can you issue Certificates of Insurance (COIs) and add Additional Insureds?
After your policy is in force and we have the correct contract wording, we can typically turn around COIs quickly—often same day. We’ll help you set up consistent Additional Insured, Waiver of Subrogation, and Primary & Noncontributory language when required.
What liability limits do owners and general contractors usually require in NJ?
Requirements vary by contract and project size, but it’s common to see $1M per occurrence / $2M aggregate on General Liability, plus Umbrella limits for larger jobs. We’ll review your contracts and recommend limits that match your real exposure.
Do my subcontractors need their own insurance?
Yes—subcontractor insurance and risk-transfer paperwork are critical. We’ll help you collect COIs, confirm coverage types and limits, and align contract requirements (hold harmless, Additional Insured, Waiver of Subrogation) to reduce gaps.
What’s the difference between General Liability and Builders Risk?
General Liability helps protect your business if a third party alleges bodily injury or property damage from your operations. Builders Risk is project property coverage that can help protect the structure and materials while a build or renovation is in progress.
Can you cover my tools, equipment, and job-site materials?
Yes. Contractors Equipment and Inland Marine coverage can help protect owned tools, mobile equipment, and certain materials in transit or at a job site—so a theft or loss doesn’t derail your schedule and cash flow.
Can you insure multiple entities, locations, and projects (and work in other states)?
Absolutely. We can structure policies for multi-entity operations, multiple job sites, fleet exposures, and out-of-state projects. If you expand beyond New Jersey, we’ll keep the program consistent as you grow.
How can I reduce construction insurance costs without sacrificing coverage?
We focus on the variables carriers reward: accurate payroll/class codes, clean subcontractor documentation, strong safety practices, driver screening, higher deductibles where it makes sense, and a smarter coverage design that removes overlaps and closes gaps.
Do you help with surety bonds for bids and contracts?
Yes. We can coordinate bond needs (bid, performance, payment) and align your insurance program so your bonding capacity and contract requirements stay in sync.
What do you need to quote my construction company insurance?
Helpful items include: current policies and loss runs, payroll by class code, subcontractor costs, revenue and scope of work, vehicle schedules, equipment lists, project types/values, and any contracts with specific insurance requirements.