What Insurance Do Contractors Actually Need?

Essential Coverages

• General liability
• Workers’ compensation
• Tools & equipment
• Commercial auto

FAQs About Contractor Insurance

Is contractor insurance required in NJ?

Certain coverages like workers comp are required if you have employees.

What is the most important insurance for contractors?

General liability is the foundation.

Does insurance cover tools stolen from a job site?

Only if you have tools/equipment coverage.

Related Coverage to Consider

• Builder’s risk
• Umbrella insurance
• Professional liability

The Bottom Line

Contractors face multiple risks that require layered protection.

If you’re a contractor and unsure whether your coverage is complete, contact our team today. The Secret Insurance Agency will help build a plan that fits your business and your risks.

📞 973-812-7327  |  thesecretinsuranceagency.com  |  Totowa, NJ