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There are 3,787,470 construction firms in the US. This business offers promising returns, with profits averaging $100,000 to $ 1 million annually.
If you are considering venturing into this money-making business, don’t let the high profits make you overlook the unforeseen risks you might encounter. It would be best to acknowledge that unexpected challenges might be inevitable whether you are a startup or an experienced contractor.
You must obtain New Jersey contractor insurance to safeguard your firm’s financial stability. This article discusses the fundamental insurance policies you should prioritize, their coverage limits, add-ons, and the top insurance companies and brokers you can buy from.
Here are some of the fundamental NJ contractor insurance requirements:
General liability insurance–You require general liability insurance with limits of $500,000 -$1,000,000 per occurrence and aggregate limit
Workers’ compensation insurance–If you have employees in New Jersey, you must hold workers’ compensation insurance. The number of employees and type of work determine the limit
Commercial auto insurance–Coverage limitations depend on the contractor’s vehicle size, type of work, and other considerations. The coverage limit ranges from $500,000 to $1 million per accident
General and building contractors–Property damage coverage of $50,000 and public liability coverage of $300,000 are required
Other contractors–You must carry a $100,000 public liability insurance policy and $25,000 property damage coverage
Bonding–In NJ, you must obtain a contractor license bond. The contractor’s bond might range from $10,000 to $300,000, depending on the work
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
Contractor general liability insurance in New Jersey cushions your firm from claims that may occur during a renovation or building operation. Ensure you purchase this general contractor insurance NJ for adequate protection from advertising injuries, bodily injuries, and medical payments.
If a competitor firm accuses you of using their images or logo without permission
One of your employees makes defamatory remarks about another business
A client is injured while visiting the construction site
You damage a customer’s car while constructing a building
Customer property coverage–This add-on reimburses the customer if his or her property gets damaged while under your care, custody, and control
Professional liability insurance–This add-on is crucial. If you offer consultation or design services, professional liability insurance will cover claims that arise from negligence or professional mistakes
When an incident occurs in your business, such as a customer sustaining injuries, your insurance will pay a certain amount to cover the damages. The limit can be $1 million to $2 million for each occurrence, while you get an aggregate limit of up to $5 million or more.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Some clients can be unsatisfied with your work and even claim you caused losses. Professional indemnity insurance shelters your company from claims of omissions, errors, or negligence. When a client sues you over a mistake you made, this policy will cover legal defense and settlement costs.
You make a slight mistake when designing or renovating a building, leading to your client incurring expensive repairing or rebuilding costs
Your construction promises a specific service, but you fail to deliver. A client might believe your actions impacted their business
Your work fails to meet the industry standards and leads to a customer suffering financial damage
Third-party liability insurance–This add-on helps to extend the coverage of your standard policy and covers claims made by third parties who may not be direct clients
Run-off insurance–If you are considering retiring or closing your construction business, run-off insurance will cover all claims made after you stop operating
The estimated coverage limit after being accused of professional errors or negligence is $1 million to $5 million for a single claim. But you can get higher limits if you are involved in complex projects.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance will cover your business premises’ rebuilding or repair costs. It can also pay for the costs of replacing your equipment or stock. This policy includes content and buildings insurance. Building insurance will cover your physical structures, such as ceilings, walls, and floors. On the other hand, contents insurance will cover your stock or equipment. Some of the covered perils include:
Burst pipes
Storms
Riots
Theft
Flooding
Falling trees
Flood insurance–Some standard commercial property insurance may not include flood damage. Some areas in New Jersey are vulnerable to flooding, and you should use this add-on to your base policy
Builder’s risk insurance–Covers losses due to vandalism, theft, or damage to the construction project
Storms or floods can destroy your buildings; your insurance company will pay $500,000 to $5 million to cover rebuilding and repair costs. But if you have valuable facilities, you will require better coverage.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
A business owner’s policy bundles many coverage types into one insurance package. Obtaining one package is cost-effective compared to acquiring the policies separately. These policies are available to small construction businesses with low risk. BOP has property, liability, and business interruption insurance.
If your office is damaged by fire or natural disasters, this coverage will compensate you for all the damages.
For bodily injury, the coverage will reimburse the medical costs
For claims of libel or slander, the policy will pay for defense costs or compensation fees
Cyber liability insurance–This add-on will shelter your business from cyber risks. It will cover costs related to credit monitoring, data breach response or legal liabilities from adverse cyber incidents.
Employment practices liability insurance–Protects your company from allegations of harassment, wrongful termination, and discrimination
You will be compensated $1 million to $2 million for each occurrence in the liability coverage and $100,000 to $5 million for the property coverage.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance offers coverage for your small hand tools and equipment. This coverage may also extend to your rental equipment. Your insurance can provide replacement cost coverage or actual cash value coverage. Replacement cost is the value of your tools and equipment and determines how much your insurer will compensate after a covered event occurs. Conversely, actual cash value pays for your stolen or damaged items at depreciating value.
Your tools and equipment are damaged by fire
Your items are stolen
Your employees accidentally damage your tools and equipment
Employee theft coverage–This add-on offers coverage in case your employees commit fraudulent activities, such as stealing your tools and equipment
Inland marine coverage–Extends the coverage of your tools and equipment insurance to include items transported to off-site locations
If your tools and equipment are destroyed or stolen, an insurer can pay you an aggregate limit of $100,000 to $5 million.
You require commercial auto insurance if your construction business owns or leases vehicles. This help compensates for the legal fees, repairs, or medical costs in case an accident that involves your automobile occurs. The policy covers a variety of vehicles, such as vans, tracks, or cars, for your contracting business.
Liability coverage–Pays for property damage and bodily injury liabilities after an accident
Medical payment coverage–Pays for the needed medical costs for all the covered personnel
Collision coverage–Will pay for the repair costs if your vehicle is damaged after a collision with an object or car
Comprehensive coverage–Will pay for the damage to your insured vehicle; damage can be due to vandalism or theft
Uninsured/underinsured motorist coverage–This policy settles any damages when your driver is involved in an accident with another driver who doesn’t have adequate liability insurance
Hired and non-owned auto coverage–This policy will extend your commercial auto insurance to accommodate borrowed or rented vehicles
Umbrella insurance–This add-on will extend the limits of your commercial auto insurance. It will safeguard your business if it faces a large liability claim
An insurer will evaluate whether the accident has caused property damage, bodily injury, or damage to your vehicle. Depending on the extent of the accident, you can get coverage of $50,000 to $500,000.
Excess liability is tailored for some significant incidents which may exhaust your primary insurance policy. You can include it as a safety net; it will step in when your regular policy cannot adequately cover all damages suffered. With this policy, you are 100% guaranteed that your business will still run even after calamities hit your construction business.
Covers severe property damage that may require hefty rebuilding or repairing costs
In severe bodily injury, the medical bills can escalate and exceed your policy’s limit
The coverage limit depends on your risk exposure and the specific assets you must cover. But you will get paid an average of $2 million to $10 million.
The construction business poses so many hazards to the workers. An employee may fall from a height and sustain severe injuries. In other instances, the materials you use for construction can lead to infections. Having this home improvement contractor insurance NJ is intrinsic to the safety of your employees.
An employee falls ill due to exposure to harmful substances at work
An employee suffers from chronic pain due to lifting heavy materials
An employee falls from a height and sustains a hip injury
Worldwide coverage–This ensures you can adequately cover employees working for your company beyond the state’s border
Employer’s liability insurance–This add-on covers negligence lawsuits filed by employees who sustained a work-related injury or disease
Occupational accident insurance–Independent contractors and self-employed individuals can get occupational accident insurance instead of workers’ compensation. It protects contractors who are not protected by workers’ compensation
The payment you get from your insurance company can be used to pay for hospital bills, lost wages, funeral costs, or death benefits. For the lost income, your employee will calculate it according to the weekly wage of the employee.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $32 | $384 | $0-$500 |
| Professional liability insurance | $46 | $552 | $1,000-$2,000 |
| Commercial property insurance | $55 | $660 | $1,000-$2,000 |
| Business owner’s policy | $74 | $888 | $1,500 |
| Tools and equipment insurance | $38 | $456 | $500-$1,000 |
| Commercial auto insurance | $57 | $684 | $500-$1,000 |
| Workers compensation insurance | $65 | $780 | $2,500-$5,000 |
| Excess liability insurance | $34 | $408 | $500-$1,000 |
The average NJ contractor insurance cost is $32 per month or $384 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, and number of employees. Here’s a table showing the cost of a $1 million general liability policy from the best companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $15 | $180 | Best overall; Fastest general liability insurance for contractors |
| CoverWallet | $17 | $204 | Comparing contractor insurance quotes online |
| The Hartford | $20 | $240 | Workers’ compensation insurance for contractors in New Jersey |
| Tivly | $22 | $264 | Comparing contractor insurance quotes over the phone |
| Thimble | $26 | $312 | Contractors looking for on-demand coverage |
| Hiscox | $28 | $336 | Contractors who operate internationally and looking for global coverage |
Get a further idea of general contractor insurance cost NJ by comparing quotes. Click the “Get Quotes” button on this page to start.
Get all the best quotes from leading providers in a click of a button!
Here are the companies to consider working with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy.
Outstanding customer service team who guide you in insurance policy acquisition
Excellent rates suitable even for startup contractors
Offers online proof of insurance within minutes
For bundled-up policies, you get a 10% discount
Fastest general liability insurance
Best overall
Couldn’t find any
NEXT is one of the best choices for contractors seeking comprehensive coverage in New Jersey. They allow you to acquire insurance coverage online, access your insurance license, and manage your policies easily. You can get assistance from their agents when making claims.
Best for: Best overall; Fastest general liability insurance for contractors
Average cost: $15 per month
Our rating: 10/10
They offer an online platform where you have access to multiple insurance providers
You can find out which insurer offers competitive rates through their comparison tool
You can discuss the needs and operations of your business with them, and they will direct you to a provider who best meets your needs
An insurance broker who does not underwrite their policies
CoverWallet offers adjusted insurance solutions to contractors despite the size of your business. They walk you through the entire process of purchasing a claim and ensure you get the proper coverage. They have also invested in an online comparison tool that allows you to view the prices of different providers.
Best for: Comparing contractor insurance quotes online
Average cost: $17 per month
Our rating: 10/10
They have a good reputation for handling claims faster
You can purchase comprehensive insurance policies
Offers excellent benefits on their worker’s compensation insurance
You can easily acquire contractors insurance online
Primarily targets AARP members and may not adequately address the needs of non-members.
The Hartford has offered a safety net for small businesses for over a century. It is known for having the best workers’ compensation policies and benefits. They also provide businesses tips to mitigate occupation-related accidents. For businesses with high-risk profiles, this company allows purchasing of specialized policies.
Best for: Workers’ compensation insurance for contractors in New Jersey
Average cost: $20 per month
Our rating: 10/10
Has partnered with many insurance companies (more than 200)
You can quickly obtain insurance quotes on your phone
Does not consider the risk to your business when issuing coverage
They are cheaper than other providers
You cannot get an insurance quote online
Tivly has managed to stand out by offering competitive prices; they have collaborated with top-rated providers to ensure your business has limitless options. You can purchase multiple policies from this insurance marketplace, such as BOP, workers’ compensation insurance, excess liability, general liability, property insurance, and more. Call now to compare quotes over the phone.
Best for: Comparing contractor insurance quotes over the phone
Average cost: $22 per month
Our rating: 9/10
Allows contractors to buy insurance policies when needed
You can include multiple add-ons on the general liability insurance
Their insurance premiums are cost-effective
Their customer service is not available on the phone
Thimble offers on-demand coverage for your construction business. In addition to their short-term policies, you can also get long-term coverage. This company ensures you have versatility and the freedom to customize your limits. You can buy multiple insurance policies, such as general liability, BOP, workers’ compensation, professional liability, tools and equipment, and more.
Best for: Contractors looking for on-demand coverage
Average cost: $26 per month
Our rating: 9/10
You can purchase a wide array of policies
They offer coverage in many countries through their worldwide coverage
They are an experienced company that ensures businesses get the appropriate coverage
The process of making claims can be slow
Hiscox is a company known for offering global coverage for companies. You can get a 14-day refund of all your policies. As your construction business expands, you can adjust your limits and add-ons. Some policies you can buy include general liability, workers’ compensation insurance, tools and equipment, and excess liability.
Best for: Contractors who operate internationally and looking for global coverage
Average cost: $28 per month
Our rating: 9/10
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
10 / 10
Their business insurance products are by far the best business decision I've made financially. Got us covered when we needed it and for such a bargain cost. Couldn't recommend more!
10 / 10
Excellent business insurance policies at cheap rates. Claim process was easy and helped us cover financial loss.
10 / 10
Great rates and excellent service. Our business feels safe.
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
Not all those who wander are lost.
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