General contractors in New Jersey.

Residential and light commercial GCs. Sub-out percentage is the lever.

NAICS 236115 · 236116 · 236118 · 236220

Also known as GC, builder, construction company

Labor Law 240/241 exposure individually rated.

Submit a risk All states for this class

Coverage

What we'd quote.

Standard limits on a clean general contractors submission. Excess towers structured on request.

General Liability $1M / $2M General Liability wholesale → Commercial Auto $1M CSL Commercial Auto wholesale → Builder's Risk Per project Builder's Risk wholesale → Pollution (subs) $1M Pollution (subs) wholesale →

Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 GC subbing 80%+ of work

02 All subs with $1M GL + WC

03 Projects under $10M completed value

Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

01% subcontracted vs. self-performed
02Largest project completed value
03Subcontractor COI verification process
04Hold-harmless agreement template
05Residential vs. commercial mix

By state

Other states for this class.

Same class, different state. Each state page covers the verdict, limits, and any state-specific subjectivities.

General contractors in New York

NY · Edge, case by case

Labor Law 240/241 exposure individually rated for NYC work.

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction

FAQ

Common questions.

Does Hedge write general contractors in New Jersey?

Case by case in New Jersey. Labor Law 240/241 exposure individually rated. The base appetite still applies. Send the file and we'll quote with the state-specific carve-outs.

What's different about general contractors in New Jersey?

Labor Law 240/241 exposure individually rated. That's the carve-out brokers need to know about up front. Everything else mirrors the base general contractors appetite. See the Submission section for the full list.

What limits will Hedge offer on general contractors in New Jersey?

General Liability to $1M / $2M; Commercial Auto to $1M CSL; Builder's Risk to Per project; Pollution (subs) to $1M. Excess towers are structured on request. State-specific carve-outs (e.g. NJ New Jersey wind / wildfire / labor-law endorsements) priced individually.

· LAST REVIEWED 2026-05-19 · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC CA LICENSE #6018729 NPN 22154671