If you're a self-employed tradesperson or run a small crew in North Jersey or along the Jersey Shore, you're an artisan contractor — and your insurance needs are different from a large construction company.

You're not bidding on high-rise commercial projects. You're in people's homes every day — fixing, building, installing, and improving. And every job you take on carries real liability. If something goes wrong on a customer's property, or a client comes back months later claiming your work caused damage, you need coverage that has your back.

At RFK Insurance, we work with multiple carriers to find small artisan contractors the best protection at the most affordable price — because we know you're watching every dollar.

We provide insurance for independent tradespeople and small artisan contractors across North Jersey, the Jersey Shore, and Pennsylvania, including:

Don't see your trade listed? Chances are we cover it. Give us a call and we'll find the right fit for your specific work.

The right coverage for your contracting business depends on your trade, whether you have employees, and the type of jobs you take on. Here's what most artisan contractors in North Jersey and the Jersey Shore should have:

This is one of the most important things small contractors in New Jersey need to understand. You may have finished the job, cleaned up, and moved on — but your exposure to claims doesn't stop there.

A homeowner could discover water damage six months after you repaired a pipe. A tile installation could fail a year later. An electrical issue could surface long after you signed off. In the trades, a solid contractor insurance policy keeps protecting you long after you've moved to the next job site.

We know that as a small contractor, every dollar matters. The good news is that with a custom artisan contractor policy, you control what you're paying for. You're not locked into a one-size-fits-all package designed for a 50-person construction company.

We'll build your policy around the specific work you do, the size of your operation, and the coverage that genuinely protects you — keeping your premiums as low as possible without leaving you exposed.

Many independent contractors in North Jersey and along the Jersey Shore are surprised by how affordable the right coverage actually is — especially compared to the cost of a single uninsured claim.

We're an independent insurance agency — which means we're not tied to one carrier. We shop the market on your behalf across multiple A-rated insurers to find you the best contractor coverage at the best price.

We're also your neighbors. We insure the tradespeople who work in our own communities across North Jersey and the Jersey Shore every day. We understand the work you do, the risks you face, and what it means to run a small business in New Jersey.

We insure independent tradespeople and small contracting businesses throughout North Jersey and the Jersey Shore. Here's where we commonly work:

Bergen County: Bergen County is one of our strongest markets for contractor insurance, and for good reason — it's one of the most active home improvement markets in the state. We insure plumbers, electricians, carpenters, roofers, and other tradespeople working in Hackensack, Ridgewood, Paramus, Englewood, Mahwah, Ramsey, Westwood, and across the county. If you're a contractor working in Bergen County homes, we can get you covered fast.

Essex County: We've been insuring Essex County tradespeople from our Fairfield office for generations. Whether you're a handyman working in Montclair and Maplewood, an HVAC tech serving Livingston and West Orange, or a roofer covering Bloomfield, Nutley, and Belleville, we know the work you do and what coverage you need to protect it.

Morris County: Contractors throughout Morristown, Parsippany, Denville, Randolph, Madison, and Chatham trust us to keep their businesses protected. Morris County's active residential renovation market means steady work — and real liability exposure that the right contractor policy can handle.

Monmouth County: We serve independent contractors across Red Bank, Freehold, Eatontown, Middletown, Wall Township, and Long Branch. Shore-area homeowners invest heavily in their properties, and tradespeople working in Monmouth County need coverage that keeps up with the high property values and the liability that comes with them.

Ocean County: We insure contractors in Toms River, Brick, Jackson Township, and throughout Ocean County — including the seasonal Shore communities where renovation and maintenance work spikes every spring.

Middlesex County: We cover tradespeople in Woodbridge Township, Old Bridge, South Amboy, and across Middlesex County. These densely populated communities generate consistent contractor work, and we make it easy to get the right coverage without overpaying for it.

Atlantic County: Through our Shore Agency office in Absecon, we're right in the heart of Atlantic County's contractor market. We insure tradespeople working in Atlantic City, Egg Harbor Township, Galloway, Hammonton, Pleasantville, and across the county. Atlantic County's mix of residential neighborhoods, Shore communities, and commercial corridors keeps contractors busy year-round — and we know the coverage needs that come with it.

Cape May County: We serve contractors throughout Cape May, Wildwood, Ocean City, Avalon, Stone Harbor, Sea Isle City, and Cape May Court House. Shore property in Cape May County commands premium values, which means the liability stakes are high for any tradesperson working there. We'll make sure your policy reflects the work you're actually doing in these communities.

Whether you're a solo operator or run a small crew, we'll build a policy around your specific trade, your territory, and your budget — and you'll always deal with a licensed New Jersey agent who picks up the phone.