📍 Project Details
Location, owner info, and project scope
ℹ️Enter your exact address and we'll auto-detect your local building department, applicable codes, fees, and review times.
📍Project Location
📍Jurisdiction loading...
Street address where construction will occur
🏗️ Select Permit Types
Choose all permits required for your project
⚠️Multi-permit projects: Select all permit types that apply to your project. Our AI will confirm based on your description.
🏠
Building
Structural, framing, finishing
⚡
Electrical
Wiring, panels, circuits
🔧
Plumbing
Pipes, fixtures, drains
🌡️
HVAC
Heating, cooling, vent
🔥
Fire Protection
Sprinklers, alarms
🏚️
Demolition
Partial or full demo
📐
Zoning
Variances, setbacks
➕
Addition
New square footage
🏡
ADU
In-law, garage convert
🏊
Pool / Spa
New or renovation
☀️
Solar
PV panels, storage
🏗️
Roofing
Replace or repair
🤖 AI Permit Consultant
Ask anything about your project's permit requirements
🤖
AI Consultation — Pro Plan
Unlimited AI permit guidance with code citations is available on Pro and Business plans.
Egress requirements
Licensed sub required?
Inspection sequence
Ceiling height rules
Ejector pump needed?
🤖
PermitAI Assistant
Enter address in Step 1
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📁 Document Checklist
Detecting jurisdiction...
✅Generated for your jurisdiction — applicable code.
⚠️No contractor license yet? Your state requires contractor registration before issuing permits. → Contractor Licensing Assistant (Business plan)
Required Documents
Plans & Drawings
Optional / Conditional
Enter your project address in Step 1 to generate your jurisdiction-specific document checklist.
📝 Application Draft
AI-generated permit descriptions — review and edit before submission
📄
Application Draft — Pro Plan
AI-generated permit application narratives and PDF export are available on Pro and Business plans.
✏️Review all AI-generated content carefully. Verify accuracy before filing. You are responsible for all submitted information.
permit_build.txt
🏠
Building Sub-Code Application
// Enter address in Step 1 to generate
// Based on your jurisdiction and project type
permit_plumb.txt
🔧
Plumbing Sub-Code Application
// Select Plumbing in Step 2
permit_elec.txt
⚡
Electrical Sub-Code Application
// Select Electrical in Step 2
permit_solar.txt
☀️
Solar PV Permit Application
// Select Solar in Step 2
permit_hvac.txt
🌡️
HVAC / Mechanical Sub-Code
// Select HVAC in Step 2
permit_roof.txt
🏗️
Roofing Permit Application
// Select Roofing in Step 2
permit_fire.txt
🔥
Fire Protection Permit
// Select Fire Protection in Step 2
permit_demo.txt
🏚️
Demolition Permit Application
// Select Demolition in Step 2
permit_zoning.txt
📐
Zoning / Variance Application
// Select Zoning in Step 2
permit_adu.txt
➕
Addition / ADU Permit Application
// Select Addition or ADU in Step 2
permit_pool.txt
🏊
Pool / Spa Permit Application
// Select Pool/Spa in Step 2
💰 Fees & Approval Timeline
Fee estimates for your jurisdiction
ℹ️Fee estimates based on your local building department fee schedule. Call (see jurisdiction) to confirm.
| Permit | Basis | Rate | Est. Fee |
|---|---|---|---|
| Building Sub-Code Basement finish, 955 SF | Per $1,000 construction value | $19.00 / $1,000 | $760 |
| Plumbing Sub-Code 3 fixtures + ejector pump | Per fixture/appliance | $65 / fixture | $260 |
| Electrical Sub-Code 6 new circuits | Per circuit | $45 / circuit | $270 |
| Fire Protection Smoke/CO detectors | Per detector | $15 / unit | $60 |
| State Training Fee NJ DCA requirement | Flat per permit | Fixed | $75 |
| Administrative / Filing | Flat | Fixed | $50 |
| ESTIMATED TOTAL PERMIT FEES | $1,475 | ||
📅 Approval Timeline
1
Application Submission
Submit to your local building department. In-person or online portal.
Day 0
2
Plan Review — Building Sub-Code
Review time varies by jurisdiction. Check with your building department for current estimates.
Days 1–14 (est. 10 business days)
3
Sub-Code Reviews (Plumbing & Electrical)
Run concurrent with building review. May issue Technical Assistance Requests if clarification needed.
Days 5–15 (concurrent)
4
Permit Issuance & Fee Payment
Post permit card on-site visible from street. Construction may begin immediately.
Days 14–20 (est.)
5
Staged Inspections During Construction
Framing → Rough plumbing → Rough electrical → Insulation. Schedule 48 hrs in advance with building dept.
Construction phase: 4–10 weeks est.
6
Final Inspections & Certificate of Approval
Final inspections for all selected permit types. Certificate of Approval or Certificate of Occupancy issued upon completion.
After construction complete
🚀 Review & Submit
Final pre-submission checklist and submission options
🎉Your application package is ready! All documents identified, descriptions drafted, fees estimated. Review and submit.
📋 Project Summary
Address: Enter in Step 1
Jurisdiction: Detecting...
County: —
Code: —
Project: Enter in Step 1
Owner: Enter in Step 1
🏛️ Permits to File
✅ Building Sub-Code Permit
✅ Plumbing Sub-Code Permit
✅ Electrical Sub-Code Permit
✅ Fire Protection (smoke/CO detectors)
📬 Submission Options
🌐
Online Portal
Your local building department online portal
🏢
In Person
Your local building department
See jurisdiction info in Step 1
See jurisdiction info in Step 1
🤝
Concierge — $149/permit
We handle everything for you
Weekly status updates included
Weekly status updates included
📊 Application Status
✓
Application Prepared
PermitAI — completed today
…
Awaiting Submission
Submit to Bridgewater Township Building Department
…
Plan Review
Est. 10–14 business days
…
Permit Issued
Target: ~3 weeks from submission
Contractor Licensing & Insurance
Everything you need to legally pull permits and work on job sites
Contractor Licensing — Business Plan
Full contractor licensing guidance for all 50 states, insurance walkthroughs, and AI licensing assistant are Business plan features.
ℹ️This is a Business plan feature. Licensing guidance for all 50 states, insurance requirements by trade, step-by-step application walkthroughs, and AI assistance to get you permit-ready in your state.
🏛️
NJ Home Improvement Contractor (HIC)
NJ Division of Consumer Affairs · N.J.S.A. 56:8-136
MODERATE
$110–$140
Application Fee
2–4 weeks
Processing Time
Every 2 years
Renewal Cycle
NJ requires all contractors performing home improvement work valued over $500 to register as a Home Improvement Contractor (HIC) under N.J.S.A. 56:8-136. Fines up to $10,000 per violation under the Consumer Fraud Act. Your HIC number must appear on all contracts, invoices, and advertising.
📋 Requirements
🪜 Step-by-Step
🛡️ Insurance
🤖 AI Help
📌 What You Need to Apply
HIC Registration Application
File online at njconsumeraffairs.gov/hic (faster) or mail to NJ DCA, PO Box 329, Trenton NJ 08625. Requires all business details, SSN or EIN, and ownership structure.
Registration Fee
$110 for sole proprietors · $140 for LLCs, corps, and partnerships. Pay by check, money order, or credit card payable to "Treasurer, State of New Jersey."
Certificate of General Liability Insurance
Minimum $500,000 per occurrence. COI must list "NJ Division of Consumer Affairs" as the certificate holder. Get this from your insurance broker same-day.
Workers’ Comp or Exemption Affidavit
If you have no W-2 employees, file the WC Exemption (Form WCC-1) — free from NJ DCA. If you have employees, a WC policy is mandatory. Fines up to $5,000/day without it.
Government-Issued Photo ID
Clear copy of driver’s license or passport. Must be legible — blurry copies cause application delays.
LLC / Corp Formation Documents
Certificate of Formation (NJ Treasury), EIN confirmation letter (IRS), list of members or officers. Required only if business entity (not sole prop).
⚠️ Common Mistakes That Delay Applications
✗COI lists wrong certificate holder (must say NJ DCA, not the owner’s name)
✗Missing WC exemption — even sole proprietors need to file it
✗Photo ID is blurry or expired
✗LLC applicants omit Certificate of Formation
✗Using personal auto insurance instead of commercial auto
📋 NJ HIC At a Glance
Who needs it: Any contractor doing work >$500 in NJ
Exemptions: Licensed electricians & plumbers for their own trade work
Display rule: HIC# on all contracts, ads, vehicles, letterhead
Penalty for unlicensed work: Up to $10,000 per violation
Renewal: Every 2 years — DCA sends notice 90 days before expiration
Ready to apply? Start here:
🪜 Complete NJ HIC Registration Walkthrough
1
Form Your Business Entity
Register your LLC or corp at njportal.com/DOR/BusinessFormation. Then get your EIN instantly free at irs.gov/businesses/small-businesses. Open a dedicated business checking account — this is required to separate personal and business finances for tax and liability purposes.
Cost: $125 (LLC filing) · Time: 1–3 business days
2
Get General Liability Insurance
Call or go online to Next Insurance, Hiscox, or Simply Business. Request a COI naming “NJ Division of Consumer Affairs” as certificate holder. Minimum $500K per occurrence — we recommend $1M for GC work. Get the COI emailed — most providers do same-day.
Cost: $800–$2,400/year · Time: Same day to 3 days
3
Handle Workers’ Comp
Solo with no employees: Download and complete Form WCC-1 (Workers’ Comp Exemption Affidavit) from njconsumeraffairs.gov — free, no policy needed. Have employees: Buy a WC policy from your insurer. NJ WC is strictly enforced — $5,000/day fine for non-compliance.
Cost: $0 (exemption) or $1,200–$4,000+/yr (policy) · Time: 1 day
4
Complete the HIC Application Online
Go to njconsumeraffairs.gov/hic. Create an account, complete all sections (personal info, business structure, ownership, trade), upload your COI and WC documents, and pay the fee online. The online portal processes 2–4 weeks vs 4–6 weeks by mail.
Time to complete: ~45 minutes · Processing: 2–4 weeks
5
Receive & Display Your Certificate
DCA mails your HIC registration certificate. Your HIC number must appear on every contract, every invoice, all advertising, and on your vehicles. Take a photo of the certificate and store digitally — building departments may ask for it.
Arrives: 2–4 weeks after online submission
6
Register with Your Local Building Department
Bring your HIC certificate, a COI naming the Township as additional insured, and your WC documents to the building division. For Bridgewater: 100 Commons Way, Mon–Fri 8:30am–4:30pm. Most towns offer same-day registration. Some also require a municipal business license ($30–$75/yr).
Time: Same day · Cost: $0–$75 depending on municipality
⏱️ Timeline Summary
Form LLC + EINDay 1–3
Get GL Insurance + COIDay 1–4
File WC Exemption or PolicyDay 2–5
Submit HIC ApplicationDay 3–7
DCA Review & Approval+2–4 weeks
Licensed & Ready to Pull Permits~4 weeks total
💰 Total Cost Estimate (Sole Prop, Year 1)
LLC Formation (optional)$125
HIC Registration Fee$110
General Liability Insurance$800–$1,200
WC Exemption$0
Total Year 1$1,035–$1,435
📥 Download Your License Package
Complete NJ HIC checklist, blank WCC-1 form, and COI template with correct certificate holder language.
⚠️Critical: Building departments will not issue permits to contractors without valid insurance on file. Your COI must be received before inspections can proceed. Keep insurance active for the entire project duration.
🛡️ Required Policies — NJ Contractor
Commercial General Liability
MANDATORY
Covers bodily injury & property damage to others. Required by NJ DCA, building depts & homeowners.
NJ Minimum
$500K / occ
Recommended
$1M / occ
Annual Cost
$800–$2,400
Workers’ Compensation
IF EMPLOYEES
Covers your employees if injured on the job. NJ has one of the strictest WC enforcement regimes in the US. Fine: $5,000/day.
Solo?
File WCC-1
With staff
Policy required
Annual Cost
$1,200–$4,000+
Commercial Auto
RECOMMENDED
Your personal auto policy does NOT cover your truck if you’re driving it for work. Covers work vehicles, tools in transit, and job site accidents.
Min BI/PD
$100K / $300K
Annual Cost
$1,500–$3,500
Tools & Equipment / Inland Marine
OPTIONAL
Covers theft or damage to your tools, equipment, and materials in transit or on-site. A $10K tool theft can happen overnight.
Coverage
Replacement value
Annual Cost
$200–$800
💡 COI Pro Tips
✅Always get two COIs: one naming NJ DCA, one naming the building department as additional insured. Takes 2 minutes from your broker.
✅Name the homeowner as additional insured for any project over $10K — many GC contracts now require this.
✅Check expiration dates. A COI that expires mid-project will halt inspections. Set a calendar reminder 30 days before renewal.
✅Keep digital copies. Email yourself the COI as a PDF. Building departments often accept digital copies at intake.
✅Require subs to provide their own COI naming you as additional insured before they set foot on site.
🏢 Recommended Insurance Providers
⚡
Next Insurance
100% online · Instant COI · Best for sole props & small LLCs · Contractor-specific policies
📊
Simply Business
Compares 10+ carriers · GL + WC + Commercial Auto bundles · Good for growing teams
🏦
Hiscox
Established carrier · Strong WC rates for NJ · Best for contractors with 2+ employees
💬 Common Questions
Do homeowners need a license?
NJ HIC process
GL insurance requirements
Homeowner-signed permit?
Penalties for no license
HIC vs GC license
NY contractor license
Solo WC exemption
Sub insurance requirements
Adding additional insureds
🤖 What the AI knows
✓Contractor licensing requirements in all 50 states
✓Insurance minimums by state and trade type
✓Exemptions for homeowners and owner-operators
✓Permit-pulling rights by license type
✓Certificate of Insurance requirements
✓Renewal schedules and continuing education
✓Penalties and enforcement actions
🤖
Licensing AI Assistant
All 50 states · Insurance · Compliance · Permit rights
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