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State files updated Oct 27, 2026
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New Jersey contractor license bondInsurance and workers' comp

Every registrant must also keep 'additional security' (a compliance bond, bank letter of credit, or other approved security) of $10,000 for…1 General liability insurance of at least $500,000 per occurrence, plus workers' compensation insurance unless exempt.1

Bond and insurance by trade in New Jersey

TradeBondInsuranceWorkers' comp
RoofingEvery registrant must also keep 'additional security'…1General liability insurance of at least $500,000 per occurrence, plus workers' compensation insurance unless exempt.1Workers' compensation insurance is required unless the business is exempt by law.1

Bond and insurance rules for electrical, plumbing and HVAC: check with Board of Examiners of Electrical Contractors, State Board of Examiners of Master Plumbers, NJ HVACR Contractors Board.

How much is the contractor bond in New Jersey?

Every registrant must also keep 'additional security' (a compliance bond, bank letter of credit, or other approved security) of $10,000 for contracts under $10,000 (or under $150,000 over the past 12 months), $25,000 for contracts of $10,000 to $120,000 (or $150,000 to $750,000 over 12 months), or $50,000 for contracts over $120,000 (or over $750,000 over 12 months).1

Can a New Jersey contractor be exempt from workers' comp?

Workers' compensation insurance is required unless the business is exempt by law.1

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. NJ Division of Consumer Affairs: bond (njconsumeraffairs.gov, 2026-10-27)
  2. NJ Division of Consumer Affairs standard files, facilities (active) (njconsumeraffairs.gov, 2026-10-01)