Business insurance • New Jersey roofing contractors
New Jersey Roofing Contractor Insurance: HIC Registration and $500,000 Liability
New Jersey roofers who work on residential property must register each year with the Division of Consumer Affairs as home improvement contractors, including subcontractors and out-of-state contractors. Registration requires commercial general liability of at least $500,000 per occurrence and workers’ compensation unless exempt by law.
This guide covers New Jersey home improvement registration, insurance minimums, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in New Jersey, and a licensed agent can compare quotes for your roofing business.
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New Jersey HIC registration
| Item | Detail |
|---|---|
| Who registers | Home improvement contractors, subcontractors, and out-of-state contractors working on NJ residential property |
| Commercial general liability | At least $500,000 per occurrence |
| Workers’ compensation | Required unless exempt by law |
| Fees | $110 initial; $90 renewal by March 31 |
| Term | One year, renewed online |
Coverage most New Jersey roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What New Jersey roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
New Jersey roofing insurance FAQs
Do New Jersey roofers need to register?
Yes. Home improvement contractors, including subcontractors, must register each year with the Division of Consumer Affairs.
How much liability insurance does a New Jersey roofer need?
At least $500,000 per occurrence of commercial general liability.
When does New Jersey HIC registration renew?
Every year by March 31, online, with a $90 fee.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your New Jersey roofing business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
