Contractors Insurance Policies
Whether you are a General Contractor, Home Builder, Remodeler, or Building Supply Dealer, The Loyas Group will develop an insurance program custom-tailored to your specific needs backed by over 60 years of experience. Through our carefully selected network of trusted insurance companies, we have access to a variety of specialty programs exclusively designed for the New Jersey construction industry. The Loyas Group always looks for ways to provide the broadest coverage for your premium dollar.
We invite you to explore this page for an overview of some of the many contractors we serve followed by additional information on the available insurance coverages we offer.
Contractors Insurance
We have experience working with many types of contractors providing comprehensive insurance programs including:
- General Contractors Insurance
- Homebuilders Insurance
- Remodeling Contractors Insurance
- Commercial Contractors Insurance
- Cabinet Installers Insurance
- Cabinet Manufacturers Insurance
- Carpenters Insurance
- Drywall Insurance
- Electrician Insurance
- Excavator Insurance
- Glazier Insurance
- HVAC Insurance
- Insulation Insurance
- Iron Working Insurance
- Landscaping Insurance
- Mason Insurance
- Paving Insurance
- Plumbing Insurance
- Roofing Insurance
- Snowplowing Insurance
- Stone Fabricators Insurance
- Tile Installation Insurance
- Welding Insurance
General Liability Insurance
Today’s liberal court decisions and sky-high monetary jury awards make liability insurance essential for contractors. Every business needs this protection against losses, and The Loyas Group will help you decide which coverages are best to safeguard everything you’ve worked so hard to build.
Business Auto Insurance
Accidents unfortunately do happen. The Loyas Group designs cost-effective, custom auto insurance plans to maximize your vehicle protections, both on and off the road while minimizing risks. Available policies may include liability coverage for bodily injury and property damage, comprehensive and collision damage, medical coverage, and uninsured/underinsured motorist coverage.
Business Property Insurance
We work hard to help protect what you’ve worked so hard to build. Business property insurance safeguards your business space, its contents, and even your money & securities. The Loyas Group will make obtaining your custom-tailored insurance policy simple, enjoyable, and affordable.
Builders Risk Insurance / Installation Floaters
Builders Risk Insurance covers residential and commercial buildings under construction against damage from a wide range of potential perils. Policies can also extend to property in transit and during temporary storage for either a single location or, written on a reporting form basis, to include many. The Loyas Group can help protect your investments every step of the way.
Excess Liability/Umbrella Insurance
Provide additional protections beyond your existing liability policies with Excess Liability/ Umbrella Insurance. The Loyas Group can help you secure an additional layer of security to keep you financially secure against even the most catastrophic losses.
Workers Comp Insurance
Workers’ compensation insurance is mandatory for all New Jersey businesses with one or more employees. All business contractors can greatly benefit from its protections where as general liability coverage alone may leave you exposed. The Loyas Group can provide the policy to meet your specific needs. Available coverage for yourself and your employees includes employment wage supplement, medical expenses for job-related injuries or illness— as well as the services required to recover and return to work.
Group Health Insurance
Save time, energy, and money by allowing our experienced representatives to do the comparison shopping for your ideal group health insurance plan. By working with multiple insurance providers, we evaluate all pricing and variables specific to your needs and deliver the ideal policy for you. Regardless of your company’s size, The Loyas Group will develop a cost-efficient, comprehensive plan which can include additional options such as dental and vision coverage.
Contract Bonds
Strengthen your competitive edge with contract bonds that not only protect your client but also your professional reputation. Covered by a written agreement between two parties, bonding guarantees the performance of obligations. The most common options include bid, performance and payment bonds.
