Independent insurance & risk advisors in Paterson, New Jersey

Third-party bodily injury and property damage arising from your work, on the job site and off.

Medical costs and lost wages for crews injured on the job, plus employer liability — often your biggest exposure.

Liability for the work you’ve finished — the coverage a defect or failure claim falls under years later.

Tools, machinery, and equipment protected on the job site, in your shop, and in transit.

Course-of-construction coverage for structures, materials, and property while a project is underway.

Your trucks and vans — owned, hired, and non-owned — hauling crews, tools, and materials to the site.

Your office, shop, yard, and stored materials — protected against fire, storm, theft, and more.

Design-build and professional exposure for contractors who carry responsibility for plans and specs.

Environmental exposure from your operations — silt, fuel, mold, and other job-site pollution claims.

Defense and coverage for wrongful termination, discrimination, and harassment claims from employees.

Breach response and liability for the client, bid, and payment data your business stores.

Extra layers of liability that sit above your primary limits — often required to win larger contracts.