Contractors Insurance

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.

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

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

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

• 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

• 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)

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

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.

http://www.nj.gov/njbusiness/contracting/ – find state contracting opportunities in New Jersey.

Pennsylvania

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

https://hic.attorneygeneral.gov/login.aspx – Home Improvement Contractor Registration