Camp Lejeune Contractor Insurance
Getting on base to do the work is its own job. Before you can swing a hammer at Camp Lejeune or MCAS New River, the contract — and the gate — have requirements your insurance has to meet exactly. We set your coverage up to match what base access and DOD-adjacent contracts actually demand, so you're not stuck at the last minute when a general contractor or contracting officer asks for paperwork you don't have yet.
We're an independent agency right here in Jacksonville. We've handled coverage for the trades that work on and around the base, and we know what the certificates need to say before someone will let you through the gate. If you need general contractor insurance in Jacksonville, NC, we cover that too — this page is specifically about base-access requirements.
What base and DOD contracts usually require
Every contract is different, but the requirements tend to cluster around the same things:
Higher liability limits. $1M per occurrence / $2M aggregate is the common floor. Many base and DOD-related jobs require $2M / $4M.
Additional insured endorsements. The prime contractor, and sometimes the government, has to be named as additional insured on your general liability policy. This is an endorsement, not just a line on the certificate — and it has to be in force before work starts.
A correct certificate of insurance (COI). The COI has to list the right holder, the right limits, and the right endorsements, exactly as the contract spells them out. A COI that's close but not exact gets bounced.
Workers' compensation. If you have employees on a federal job site, workers' comp is almost always required regardless of North Carolina's normal threshold.
Send us the insurance requirements page from your contract and we'll match it line for line.
Why getting this exactly right matters on base
On a normal job, a paperwork mismatch is an annoyance. On base, it's a stop. If your COI doesn't show the limits the contract requires, or the additional insured endorsement isn't in place, you don't get access and the work doesn't start. We've seen contractors lose days scrambling to fix a certificate that should have been set up correctly from the beginning. The point of doing this with an agent who knows base requirements is that it's right the first time.
How fast can we turn a certificate around
Once your policy is active, we can typically issue a COI same-day. If the prime needs specific additional insured wording, tell us what the contract says and we'll handle the endorsement. If you're up against a start date, say so — we'll prioritize it.
Why work with an independent agent
When your coverage is with one captive company, you get one company's answer. We represent multiple carriers, so when one raises your rate or won't write your trade, we have somewhere else to go. We do the shopping; you get the choice. And every renewal, we actually re-check your policy for changes in price and coverage — you're not a policy number to us, you're a neighbor.
Frequently asked questions
What insurance limits does Camp Lejeune require for contractors? It depends on the contract, but $1M per occurrence / $2M aggregate is the typical floor, and many base or DOD-related jobs require $2M / $4M with additional insured endorsements. Send us your contract's insurance requirements and we'll match them exactly.
What is an additional insured endorsement and do I need one? It's an endorsement that adds another party — usually the prime contractor and sometimes the government — to your general liability policy as a protected party. Most base and federal contracts require it, and it has to be active before you start work, not added after.
How fast can I get a certificate of insurance for base access? Once your policy is active, usually same-day. If you need specific additional insured wording, give us the contract language and we'll get the endorsement done.
Do I need workers' comp for a job on base? If you have employees working on a federal site, you almost certainly do — federal job sites typically require it even when North Carolina's normal three-employee threshold wouldn't. We'll walk you through what your specific contract demands.
Get a free contractor insurance quote. Call or text 910-378-1378, or request a business quote online.
