New Jersey general liability. Start with the work you do.

Explain where and how you work.

Tell Daniel whether customers visit your premises, you work at their properties or the business uses several locations. For contractors and artisans, describe the specific trades and project types. If jobs extend outside New Jersey, include that information. A broad label such as 'services' can leave important questions unanswered.

Bring the contract before requesting a certificate.

Share the customer's or landlord's actual insurance requirements, including required limits and requested additional-insured wording. A certificate reports information about coverage; it does not independently create new rights. The broker needs to check the policy and applicable endorsements rather than simply putting every requested phrase on a certificate.

Discuss completed work and subcontractors.

Explain what remains after a job is finished, whether you sell or install products and how you use subcontractors. These details help frame questions about products, completed operations and work exclusions. Supply the full scope of the job, including activities that are only a small part of annual revenue.

Identify the coverage that sits alongside liability.

Employee injuries, professional mistakes, business vehicles and damage to your own equipment may need separate policies or a broader package. Ask whether a business owner's policy is an available starting point. Compare each option by what it covers and excludes, rather than assuming one certificate means every business exposure is insured.

Have these details ready.

• Legal business name, locations and a plain description of operations.
• Estimated revenue, payroll and subcontractor use where requested.
• Customer, lease and project insurance requirements.
• Current policies, renewal dates and available claims information.
• Questions about products, completed work and additional insureds.