Business Insurance in River Edge, New Jersey
Business insurance for River Edge companies, from an independent brokerage. We compare options across our carrier markets and explain them in plain language.
Getting set up in River Edge
- Contractor registration. Anyone working as a builder or contractor in River Edge must first register with the borough's Building Department. Registrations expire each June 1, and the application must state whether the contractor carries public liability insurance and its amounts, and workers' compensation and its carrier.
- Street opening permits. Before a street excavation permit is issued, contractors show $1,000,000 of commercial general liability (including explosion, collapse and underground and contractual liability), $1,000,000 of business auto, statutory workers' compensation with $1,000,000 employer's liability, and at least $2,000,000 of umbrella or excess. The borough must be named as additional insured, and subcontractors need the same minimums.
- Taxis and limousines. Borough taxi and limousine licenses require commercial auto liability of at least $500,000 plus a $1,000,000 umbrella, and licenses expire July 1.
- New Jersey home improvement registration insurance. New Jersey home improvement contractors must register with the Division of Consumer Affairs and show commercial general liability insurance of at least $500,000 per occurrence.
Local risks worth reviewing
- Flood rules. River Edge's flood damage prevention ordinance adopts FEMA's 2019 Flood Insurance Study and flood maps for Bergen County, and violations can bring fines of up to $1,000.
State rules that apply here
River Edge businesses follow New Jersey's workers' compensation and auto insurance rules. See what New Jersey law requires →
Common questions
What insurance do contractors need for a River Edge street opening permit?
$1,000,000 general liability, $1,000,000 business auto, statutory workers' compensation with $1,000,000 employer's liability, and at least $2,000,000 umbrella, with the borough as additional insured.
Do River Edge contractors have to register?
Yes, with the borough's Building Department. Registrations expire each June 1.
Does business insurance cover flooding in River Edge?
Standard homeowners policies don't cover flood, and business property policies usually handle flood separately too. Flood coverage is generally its own policy, and new flood policies usually have a 30-day waiting period, so it's worth checking before storm season.
General information only, not legal advice. Coverage depends on the policy's terms, conditions and underwriting. Local details checked October 26, 2026 from: Borough of River Edge Code, Chapter 186: Contractors; Borough of River Edge Code, Section 362-16: Insurance; Borough of River Edge Code, Chapter 376: Taxicabs and Limousines; Borough of River Edge Code, Chapter 216: Flood Damage Prevention; New Jersey Division of Consumer Affairs, Home Improvement Contractor FAQ.