Contractors Insurance for NJ and PA

Your contracting business is more than a job, a career, or a source of income. It’s your life.

You’re a successful contractor. You’ve made a substantial investment in tools, equipment and building materials. You often rely on others to help you complete a job. You’re used to unforeseen complications that can interrupt schedules. But how well do you know the risks you face? What if there’s an accident on the site? Destruction of on-site equipment? Could you recover from the unexpected? Is your business – and your family – protected against catastrophic loss, accidents, liability claims or loss of income?

We Understand Your Business

There are many unique issues and daily risks contractors face. We provide a policy called Contractors Advantage, designed specifically for trades such as landscapers and tree pruning, plumbers, painters, electricians, general sub contractors, pavers, and cabinet makers. You deserve high quality, affordable protection.

What Protection Do You Need?

Successful businesses are able to weather constant change. As your business develops, it’s important to make sure your coverages match the structure of your business. Depending on your exact business needs, you may want to include special optional coverages in your policy to address your specific concerns. We’ll help to assess and address all of your Contracting Businesses needs.

Property Coverage

Property Coverage

Business property insurance can help protect the property your business owns and leases, including things like medical equipment, inventory, furniture and fixtures. We also include coverage for things you may not have thought of, like protection for your accounts receivable records and or computers and media. There’s even an option that can help replace lost income when your operations are suspended and can no longer operate due to a covered loss. No two businesses are exactly alike. With our flexible coverage options, you can tailor coverage specifically for your business’ unique needs both today and as your business evolves. And, many of the commercial property coverages we offer as optional can be bundled into cost-effective packages giving you the best value for your insurance dollar.

We’ll Help You Protect

  • Tools equipment and building materials, whether on or off premises or in transit
  • Property of others while in your care, custody or control
  • Property in transit or temporarily off premises
  • Valuable papers and records, including electronic or magnetic media
  • Newly acquired property
  • Money and securities on or off premises
  • Peak season coverage

Liability Coverage

  • Premises and Operations
  • Products/Completed Operations
  • Personal Injury
  • Advertising Injury
  • Fire Legal Liability
  • Contractual

Special Options

  • Off premises power failure
  • Equipment breakdown
  • Employee benefits liability
  • Glass coverage
  • Employee dishonesty in higher limits
  • Outdoor signs in higher limits
  • Accounts receivable in higher limits
  • Earthquake
  • Spoilage coverage

Loss of Income Protection

  • Up to 12 months of business income
  • Paid extra expenses needed to resume normal business operations

Click here for more information on Disability Income Insurance (link doesn't work)


Protecting You

Because the most important part of your business is you, Dempsey Weiss & Associates also offers insurance to protect your family and assets:

  • Disability Income (links don't work
  • Life Insurance
  • Retirement Funding

Helpful Resources

New Jersey

New Jersey Division of Consumer Repairs – a complete resource for home improvement contractors from the NJ Division of Consumer Repairs.

New Jersey Online License Services – renew, verify or apply for a NJ contractors license. – find state contracting opportunities in New Jersey.


Contractor Licensing from the PA Department of Labor & Industry – contractor licensing requirements and how to apply. – Home Improvement Contractor Registration

I'm not just the owner of my business, I'm also an employee. I don't have time to worry about insurance. My DWA agent regularly reviews my account to evaluate my changing risks and is always available to get me anything I need right away.

Stacy Davis, Stacy Davis Electric

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