How NJ Contractors Should Choose Commercial Auto: A Guide
Jeff Friedlander, Managing Member·7 min read
If your truck hauls the tools, the crew, and the next job, this guide is for you.
The three coverages every contractor needs
A solid NJ contractor policy starts with liability at a $1M combined single limit, adds physical damage on trucks you couldn’t replace, and includes hired and non-owned auto for when a helper drives their own truck. When you're ready to price it, see commercial auto insurance for NJ contractors.
Your tools are not covered by auto
Certificates are the price of admission
In NJ contracting, no certificate of insurance means no job. GCs routinely require $1M limits and additional-insured status, and they need the COI fast. A local agent who issues certificates same-day is worth more than a few dollars of premium savings from a 1-800 number. Our sister site lists everything NJ contractors are required to carry, beyond auto.
What it costs
A single work truck with a clean driver and $1M limit typically runs in the four figures annually, varying by vehicle, ZIP, and use. Multi-truck operations get fleet rating. Get your number with our 5-minute quote.