Most NJ contractors get their workers comp from whoever their buddy recommended. Then a claim hits — or a job requires a COI in 24 hours — and everything falls apart. There's a better way.
2 minutes · No obligation · Response within 60 minutes
Dave or a team member will call you within the hour.
Need us now? (201) 647-2095
Real scenarios NJ contractors face
NJ workers comp rates are set by class code. Most contractors are mis-coded by brokers who don't know the trades. You pay more. Nobody tells you.
GC requires a COI by tomorrow morning. Your broker doesn't answer until 10am. Job goes to the next guy on the list. That's money you'll never recover.
A worker gets hurt. Your policy has a coverage gap your broker never mentioned. You're personally liable for the difference. This happens more than contractors think.
New NJ law requires compliance bonds for home improvement contractors — $10K to $50K depending on contract value. Most contractors found out too late.
What we do differently
Before we place anything, we verify your workers comp class codes against NJ CRIB rates. Most contractors we meet are mis-coded. We fix it.
Need a certificate of insurance for a job starting tomorrow? We handle it. No waiting until Monday. No voicemail.
Dave Heitner ran a 250-employee operation for 23 years. He managed workers comp claims, payroll, and compliance firsthand.
Workers comp, GL, commercial auto, bonding, umbrella — same advisor handles everything. One call. One relationship.
Full coverage — one advisor
Most NJ contractors need more than one policy. We handle all of it — so you have one number to call and nothing falls through the cracks.
NJ-required for all businesses with employees. We audit your class codes to make sure you're not overpaying.
Covers bodily injury and property damage on the job. Most GCs require $1M/$2M minimum. Same-day COIs available.
Your personal auto policy won't cover your truck on a job. Commercial auto fills that gap.
Inland marine coverage for tools stolen from your truck or damaged on site. Most contractors skip this until it's too late.
NJ now requires compliance bonds for home improvement contractors. $10K–$50K depending on contract value.
Extra liability coverage above your GL and auto limits. Critical for larger jobs and higher-value contracts.
Employment practices liability — covers wrongful termination, discrimination, and harassment claims.
Even trades businesses hold client data. Cyber coverage protects you if that data is compromised.
NJ business owners
"Dave identified issues in our retirement plan that were costing us significantly — problems our previous advisor had completely missed. He fixed them fast and saved us real money. We trust Heits Benefits Group with our business."
"Working with Dave is straightforward — he knows what he's doing, he's responsive, and he looks out for your business. Heits Benefits Group handles our coverage and I don't have to think about it. That's exactly what I needed."
"I've worked with brokers who disappear after the policy is sold. Dave is different — he answers the phone, he knows our business, and he's proactive about renewals. Bergen County business owners are lucky to have him."
The process
2 minutes. We call you within the hour — usually faster.
We audit your current policies, class codes, and contract requirements. No pitch — just facts.
We shop multiple NJ carriers and present options with our honest recommendation.
We handle renewals, COIs, and policy reviews. You focus on the job.
Common questions
In NJ, sole proprietors without employees are generally exempt — but most GCs require you to carry it anyway to work on their jobs. We'll tell you exactly what you need for your situation.
Same day in most cases. If you're bound with a carrier we work with, we issue a certificate of insurance the same day you request it. No waiting until Monday.
Class codes determine your premium rate. NJ uses NJCRIB codes — different from most states. An incorrect code can mean overpaying by thousands per year. We check this on every new client.
Yes. The new compliance bond requirement for NJ home improvement contractors took effect in 2025. We help you get bonded and compliant with the Division of Consumer Affairs.
Yes — we can structure your GL policy to address sub exposure and help you collect certificates from your subs so you're protected if they're uninsured.
Nothing for our advisory work. We're compensated by carrier commissions — the same ones your current broker collects. You pay the same either way. The difference is the service.
A 20-minute call with a local NJ advisor who's managed workers comp and liability for 250 employees. That's all it takes to know where you stand.