The NJ commercial auto
playbook.
Straight, useful guides for New Jersey business owners — what coverage you need, what it costs, how NJ’s rules work, and how to not get burned. Written by the team that writes the policies.
Basics
Do I Need Commercial Auto Insurance in New Jersey?
A plain-English guide to whether your NJ business needs commercial auto insurance — the tests that decide it, and why a personal policy usually isn’t enough.
6 min read
NJ Rules
NJ Commercial Auto Minimum Limits (And Why They’re Never Enough)
New Jersey’s 35/70/25 commercial auto minimum explained — what it means, the GVWR tiers that override it, and what limits to actually carry.
5 min read
Basics
Personal vs. Commercial Auto: The Exclusion That Voids Claims
The business-use exclusion in personal auto policies quietly voids NJ business claims. Here’s how it works and how to avoid getting burned.
5 min read
Cost
How Much Does Commercial Auto Insurance Cost in NJ?
What drives NJ commercial auto premiums — vehicle type, use, garaging ZIP, driver records, and more — with realistic cost ranges for common operations.
6 min read
Coverage
What Is Hired & Non-Owned Auto (HNOA), and Do You Need It?
HNOA is the cheap NJ coverage that closes an expensive gap — when employees drive their own cars for work. Here’s how it works and who needs it.
5 min read
Industry
Commercial Auto for NJ Contractors: The Complete Guide
Everything NJ contractors need to know about commercial auto — the right limits, why tools need separate coverage, GC certificate requirements, and cost.
7 min read
NJ Rules
NJ PIP for Commercial Vehicles, Explained
New Jersey’s no-fault PIP applies to commercial vehicles too — and works differently than personal auto PIP. Here’s what NJ business owners need to know.
5 min read
Cost
How to Lower Your Commercial Auto Premium in NJ
Practical, honest ways to cut your NJ commercial auto premium — deductibles, driver screening, radius filing, fleet rating, and more — without under-insuring.
6 min read
How-To
Certificates of Insurance: What GCs Require and How to Get One Fast
NJ contractors live and die by the certificate of insurance. Here’s what general contractors require, what ‘additional insured’ means, and how to get a COI same-day.
5 min read
Coverage
Fleet Insurance: When to Switch From Individual Policies
Running multiple vehicles in NJ? Here’s when a fleet policy beats stacking individual policies — the savings, the admin win, and the coverage-gap fix.
5 min read