New Jersey Builders Risk & Contractors Insurance Information
Builders risk insurance provides coverage for buildings that are under
construction. The construction can be new, a remodel, or repair. Coverage
includes materials at the work site before they are installed, any materials
intended for the work site that are in transit, and the value of the new,
remodeled, or repaired property being built until it's completed and the
owner accepts the work.
New Jersey builders risk insurance coverage can also
be purchased for specific home improvement projects
such as a new room addition, a deck or a remodeled
Those who should seriously consider purchasing
builders risk insurance include general contractors,
subcontractors, home builders, real estate developers,
building owners, colleges and universities, and
A builders risk insurance policy includes perils such
as theft, vandalism, fire, wind storm, lightning, and
hail. Most policies offer limited coverage for collapse.
Standard exclusions include earthquake, flood,
weather damage to property in the open, water
damage, employee theft, mechanical breakdown, war,
government action, contract penalty, and voluntary
parting. Another important exclusion is for damage
resulting from faulty design, planning, workmanship
and materials. New Jersey builders risk insurance is
meant to offer coverage for accidental events and not
for poor construction. Earthquake and flood coverage
can usually be added to the policy for an additional
Who Is Insured
The named insured of a builders risk insurance policy is
usually the contractor or developer of the property. However,
it may be the building owner or homeowner if they are
responsible for insuring the property while under
construction, particularly when the construction is a remodel
or repair. A mortgagee or lien holder may be added as an
additional insured.
We have the experience to analyze and recommend the correct
builders risk insurance coverage for your New Jersey business.
Our strong relationships with insurers results in direct cost savings
for our clients.
Click on the link below to fill out a quote request form for a New
Jersey builders risk insurance policy that regardless of whether
you're a large employer or a small business, will provide exceptional
insurance coverage for your business at an affordable cost. Or
speak with our New Jersey Construction Insurance Specialist to
discuss the features.
New Jersey Contractors Insurance Information
We are a provider of insurance solutions for general, artisan, and
trade contractors throughout New Jersey. We utilize a large variety of
admitted, non admitted, and alternative risk financing markets to
customize coverages for our clients including commercial liability,
property, auto, workers comp, surety bonds, and group health
coverages. Our services include consistent monitoring of accounts
throughout the year, as well as annual marketing for the best risk
management alternatives.
Your Life Solutions can provide insurance coverage for the sole
proprietor performing general remodeling, to specialty trade and
artisan contractors. Whether you are a small New Jersey business
owner or a multi-million dollar multi-state construction firm, we can
offer affordable insurance coverage that meets your requirements.
Click on the link below to fill out a quote request form for a New
Jersey contractors insurance policy that regardless of whether
you're a large employer or a small business, will provide
exceptional insurance coverage for your business at an affordable
cost. Or speak with our New Jersey Commercial Insurance
Specialist to discuss the features.
We are your local northern New Jersey insurance agency, offering comprehensive
builders risk and contractors insurance services to businessess in the following
cities and counties: Succasunna, Boonton, Boonton Township, Brookside, Budd
Lake, Butler, Cedar Knolls, Chatham, Chester, Convent Station, Denville, Dover,
Dover Annex, East Hanover, Fayson Lakes, Flanders, Florham Park, Gillette, Green
Village, Greystone Park, Hibernia, High Crest, Ironia, Kenvil, Kinnelon, Lake
Hiawatha, Lake Hopatcong, Lake Intervale, Landing, Ledgewood, Lincoln Park,
Lindy Lake, Long Valley, Lower Montville, Lyonsville, Madison, Mendham, Meriden,
Millington, Mine Hill, Montville, Montville Township, Morris Plains, Morristown, Mount
Arlington, Mount Freedom, Mount Olive, Mount Tabor, Mountain Lakes, Netcong, New
Vernon, Parsippany, Pequannock, Pequannock Township, Picatinny Arsenal, Pine
Brook, Pinebrook, Pompton Junction, Pompton Plains, Powerville, Ralston,
Randolph, Riverdale, Rockaway, Rockaway Valley, Schooleys Mountain, Stirling,
Tabor, Taylortown, Towaco, Troy Hills, Wharton, Whippany, Stanhope, Hopatcong,
Espanong, Hurdtown, Cranberry Lake, Andover, Greendell, Woodport, Springdale,
Oak Ridge, Milton, Sparta, Lake Lenape, Newton, Ogdensburg, Saxton Falls,
Johnsonburg, Allamuchy, Vienna, Hackettstown, Beattystown, Marksboro, Hope,
Townsbury, Washington, Newark, Elizabeth, Rahway, Colonia, Iselin, Avenel,
Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy, Metuchen,
Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North Plainfield,
Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield, Mountainside,
Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville, Piscataway,
Edison, New Brunswick, Highland Park, Somerset, Milltown, South River, Bound
Brook, Somerville, Bridgewater, Fairview, Ridgefield, Fort Lee, Leonia, Palisades
Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota,
Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack,
Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield,
Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford,
Wallington, Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great
Notch, North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield, West Orange,
Glen Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East
Orange, East Newark, Orange, Irvington, South Orange, Hillside, Townley,
Livingston, Wayne, Morris County, Sussex County, Somerset County, Pasaic County,
Bergen County, Hunterdon County, Union County, and Warren County, NJ. We also
offer builders risk and contractors insurance services throughout the state of New
Jersey, including the greater New York City area.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any
decisions regarding your insurance needs should be discussed with a
licensed insurance agent.
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