Built for NJ contractors
Contractor insurance in NJ — compliant, fast, and explained clearly.
From same-day Certificates of Insurance to New Jersey's new licensing law and bond rules, we keep you covered, compliant, and working.
New Jersey is changing the rules. We've got you covered.
New Jersey has enacted a new licensing law (and a new State Board), but individual licensing isn't in effect yet — today home improvement and home elevation contractors still register (HICB/HECB) with the NJ Division of Consumer Affairs. Here's what that means for your coverage.
General liability
$500K per occurrence for Home Improvement — $1M for Home Elevation, with a $2M aggregate.
New compliance bond
A $10K–$50K bond, sized to your contract value.
Workers' comp
Required as soon as you have an employee — owners already face real personal liability for skipping it.
Subcontractors
Each sub you hire needs their own GL + bond — we help you verify their COIs.
Not sure which applies to you? That's exactly what we figure out for you — in English or Spanish.
What we cover
Every coverage a NJ contractor needs — in one place.
Licensed in NJ and NY — and many of our carriers extend coverage to other states, too.
General Liability
The coverage GCs and the State require. We set your limits to match the contract — every time.
Surety & Compliance Bonds
The new NJ bond and the surety bonds your jobs call for — sized and filed correctly.
Workers' Compensation
Required for most NJ employers. We keep your crew — and you — protected and compliant.
Commercial Auto
Trucks and vans covered for the road and the job site, at NJ-compliant limits.
Inland Marine
Your tools, equipment, and machinery protected wherever the work takes you — on site or in transit.
Umbrella / Excess
Extra protection above your other policies — typically $1M to $5M — for the bigger jobs and bigger risks.
Same-day certificates
Need a Certificate of Insurance today? We turn them around fast.
In NJ, the fastest way to lose a job is a COI that doesn't match the contract's insurance requirements — wrong limits or missing endorsements. We make sure yours is right the first time, and we get it to you fast.
Request a COI
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Hi! I need a COI for a job tomorrow. Is that possible?
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Of course! We'll have it for you today. What limits does the contract require?
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$1M / $2M general liability
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Perfect — you're covered. 👍
How it works
Three steps to covered and compliant.
Tell us about your work and what the contract requires.
We compare carriers and find the right coverage and limits.
We explain it clearly and issue your COI — usually same day.
Why contractors choose Angie's
A local agency that knows the trade — and the rules.
20+ years
Two decades of combined team experience serving Morris County contractors and small businesses.
Bilingual
We explain every line in your language — English or Spanish.
Independent
We shop multiple carriers for you — to fit your trade, not theirs.
We know NJ's rules
From the new licensing law to bonds, we keep you compliant.
Common questions
Answers, in plain language.
Still have a question about your trade, your limits, or the 2026 rules? We'll walk you through it — no jargon, no pressure.
Get a contractor quote
"They got my Certificate of Insurance the same afternoon and explained the new NJ rules in my language. I didn't lose the job — and now I know I'm compliant."
Tell us what you need — we'll handle the rest. Cuéntanos qué necesitas. Nosotros nos encargamos del resto.
Pick what you're looking for and your ZIP. Angie's team gets back to you personally — usually the same day. Elige lo que buscas y tu ZIP. El equipo de Angie's te responde personalmente, normalmente el mismo día.
Let's talk
Get covered and stay compliant — let's talk.
Tell us about your trade and what your contract requires. We'll set up the right coverage, get your COI, and explain every line — in English or Spanish.