Framing Contractor Insurance in New Jersey

Insurance Options for Framing Contractors

Framing work is foundational—literally. Whether you’re building load-bearing walls, installing floor systems, or setting roof trusses, accidents and property damage can happen fast. The right insurance program helps shield your operation from costly claims, job-site injuries, and delays while meeting state and contract requirements.

General Liability Insurance

Helps protect your business if your work results in property damage or injuries. For example, if a structural issue leads to damage after installation or a client trips over lumber on-site, general liability helps cover repair bills, legal fees, and medical costs. This coverage is often required for building permits and contractor agreements.

Workers’ Compensation

Essential for framing crews operating at elevated heights or using power tools and heavy equipment. Workers’ comp helps pay for medical care, lost wages, and rehabilitation if a team member suffers a fall, nail-gun injury, or lifting strain. It also helps your business stay compliant with New Jersey labor laws.

Tools & Equipment Coverage

Protects saws, compressors, nail guns, scaffolding, generators, and other gear stored in trucks, trailers, or on-site. If your framing tools are stolen from a job site or damaged in a fire, this policy helps you replace them quickly so you can stay on schedule.

Commercial Auto Insurance

Covers trucks and work vehicles used to transport lumber, materials, and equipment between sites. If a company truck is involved in an accident, commercial auto helps cover vehicle repair, liability claims, and medical expenses—keeping your crew mobile and your projects moving.

Inland Marine / Contractor’s Equipment

Ideal for contractors with high-value tools, trailers, or portable equipment. Covers items in transit, on-site, or stored off-premises—especially helpful for framing contractors operating multiple job sites.

Contractor’s E&O / Professional Liability

Protects against claims resulting from layout advice, measurement issues, or structural planning guidance. If a client alleges improper framing recommendations or design-related errors cause delays or rework, this coverage helps address disputes without major financial strain.

Why Insurance Matters for Framing Contractors

Framing professionals work in fast-paced, high-exposure environments. A dropped beam, structural misalignment, crane hazard, or employee injury can result in significant financial loss and project setbacks. The right insurance helps protect your business from unexpected claims, keeps you compliant with New Jersey regulations, and ensures you meet builder and GC insurance requirements.

Which Framing Contractors Need Coverage?

Any contractor performing structural wood framing, metal stud framing, roof framing, deck framing, or rough carpentry work in New Jersey should carry insurance before stepping onto a job site. General contractors, subcontractors, and specialist crews all face liability risks that can interrupt projects and lead to costly legal exposure.

Why Choose Keller Insurance

Keller Insurance has deep experience supporting New Jersey contractors, from small framing crews to multi-unit builders. We understand project demands, GC requirements, and job-site risks and offer coverage designed to protect your business, your workforce, and your reputation. Our team helps you secure the right limits, endorsements, and certificates so you can get hired, stay compliant, and keep building.

FAQs

What insurance is required for framing contractors in New Jersey?

General liability and workers’ compensation are standard. Commercial auto and equipment coverage are strongly recommended for contractors operating vehicles and transporting tools.

Do subcontractors need their own insurance?

Yes—your policy doesn’t automatically extend to subcontractors. We can help you set certificate requirements and review documentation to reduce your risk.

Can policies be bundled?

Absolutely. Bundling general liability, workers’ comp, commercial auto, and equipment coverage can simplify management and may help lower costs.