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If you're a contractor in New Jersey, getting your GL insurance sorted is step one. But knowing what limits to carry — and whether those limits will actually satisfy the clients and general contractors you want to work with — is a different question.
The standard question from most NJ contractors is: 'Do I just need $1 million?' The honest answer: it depends on who you're working for and what you're building.
The Two Numbers That Matter: Per Occurrence vs. Aggregate
[PLACEHOLDER: Explain per-occurrence limit and aggregate limit clearly. Example: $1M/$2M means $1M per single claim, $2M total across all claims in the policy period. Why both numbers matter. 2 paragraphs.]
Common GL Limit Requirements for NJ Contractors
| Project Type | Typical Minimum Required | Often Requested |
|---|---|---|
| Residential renovation (homeowner) | $500K/$1M | $1M/$2M |
| Commercial renovation / retail | $1M/$2M | $1M/$2M + umbrella |
| Municipal or government work | $1M/$2M | $2M/$4M |
| Pharmaceutical campus / corporate | $2M/$4M | $5M + umbrella |
| High-rise or large commercial | $2M/$4M | $5M–$10M umbrella |
| Shore / waterfront projects | $1M/$2M | $2M/$4M |
What Goes on a Certificate of Insurance (COI)?
[PLACEHOLDER: Explain the COI (ACORD 25 for GL). What clients ask to see: your GL limits, WC coverage, the additional insured endorsement naming the client, and project-specific language if required. 2-3 paragraphs.]
Kevin Brown Insurance Agency issues COIs same-day for most standard contractor placements. If a GC needs a certificate by morning, send the project details by 3pm the day before.
Additional Insured — What It Means and Why It Matters
[PLACEHOLDER: Explain additional insured endorsements — what they do, why GCs require them, how they affect your policy, blanket vs. specific AI endorsements. 2 paragraphs.]
Which Carrier Is Right for Your NJ Contracting Business?
[PLACEHOLDER: Walk through Coterie (TOP CHOICE for most NJ contractors), Next Insurance (larger appetite, good for multi-trade), Blitz Insurance (for higher-hazard trades like roofing or demolition). Help contractors understand how the selection is made. 2-3 paragraphs.]
What is the fastest way to get contractor GL in NJ?+
[PLACEHOLDER: Coterie and Next Insurance both offer instant online binding for most NJ contractor classes. Kevin can issue a certificate within hours. List what information is needed: trade type, payroll/revenue, years in business, claims history.]
Do NJ contractors need workers comp even if they're solo?+
[PLACEHOLDER: Explain that a sole proprietor without employees is generally exempt from WC, but some clients will require it anyway as a contract condition. Also: if you ever add a helper, even temporarily, WC becomes required.]
What if I've been declined or non-renewed for contractor GL?+
[PLACEHOLDER: E&S placement is available for contractors with prior losses or non-renewals. Blitz Insurance and First Insurance are primary E&S options. Burns & Wilcox is last resort. Point to /es-calculator.]
Get Same-Day Contractor GL in New Jersey
Most NJ contractor GL placements bind the same day through Kevin Brown Insurance Agency. Certificates issued within hours of binding.
Get Contractor GL Now