What special insurance does an underpinning contractor need in NJ?

Basement underpinning is classified as foundation work under NJ contractor licensing rules, which means your contractor must carry specific insurance coverage beyond standard general liability.

At minimum, a qualified underpinning contractor in New Jersey should carry commercial general liability with limits of at least $1 million per occurrence and $2 million aggregate, workers compensation covering all on-site employees and subcontractors, and contractors pollution liability, which covers soil disturbance and environmental conditions encountered during excavation.

Some NJ municipalities also require the contractor to list the municipality as an additional insured on the general liability policy before a permit is issued.

Scaldino Basement Solutions carries all required coverages and will provide certificates of insurance at the time of contract. When comparing contractors, always request a current certificate of insurance and verify that coverage was not reduced after the certificate was issued. Schedule your free assessment with Scaldino Basement Solutions to review project requirements.