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NJ Contractor Facts

What types of coverage do you offer?

Our agency offers all lines of contractors insurance. From general liability, worker's compensation, to bonds we have access to some of the most exclusive contractor insurance companies to save you money. Our state of the art agency management system can generate quotes instantly and get you covered in the SAME DAY!

What is a certificate of insurance?

A certificate of insurance is a document used to verify the existing coverage. The document lists the effective date of the policy, type of coverage purchased, and the types and dollar amount of applicable liability.

Who Needs One?

It is required for many trades of business in NJ. For contractors in NJ it is required to furnish a certificate of insurance in order to get the "NJ Contractor's License. The limits of liability required are $500,000 per occurrence and $1,000,000 aggregate.

How do I get a certificate of Insurance?

Get a quote now at This Page and select the type of coverage you need. If the price is OK with you, we will fax or e-mail you the paperwork to start your policy, and upon receipt, issue the Certificate of Insurance. If you pay via credit card, money order, or cashier's check, we can issue the Certificate INSTANTLY, which permits you to either mail or go to the NJ Division Consumer Affairs to get your license IMMEDIATELY.

How do I get my NJ Contractor License?

First you must establish your entity with the division of treasury or the county you are located in. Then you must purchase the minimum liability coverage limits and get a certificate of insurance. Our goal is to find this coverage at the LOWEST COST TO YOU! That is why we are here. Last, you would need to complete the NJ HIC application and send everything into the NJ Division of Consumer Affairs for $90. You can visit our NJ contractor license site for further details at

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