Commercial auto coverage
options for NJ businesses.
Different vehicles, different uses, different risks. Here's a plain-English guide to every commercial auto coverage we write for New Jersey businesses — what it does, when you need it, and what it usually costs.
NJ law makes some of this non-negotiable. The rest is judgment.
Three coverages are required to operate a commercial vehicle in New Jersey. The other five are optional — but skipping the wrong one can wipe out a small business.
Required by NJ law
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Liability — minimum 35/70/25 in NJ since Jan 2026 (most businesses carry far more)
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PIP (Personal Injury Protection) — specific rules for commercial vehicles
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Uninsured Motorist — required in most NJ commercial cases
Optional · strongly recommended
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Physical Damage — for owned vehicles you can't afford to replace
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Hired & Non-Owned Auto — if employees ever use their own cars for work
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Higher liability limits — the 35/70/25 minimum is rarely enough
Pick the ones your operation actually needs.
Click any coverage for the plain-English version of what it does, who needs it, and how to choose limits.
Four questions, and we usually know what to quote.
One pickup is a different conversation than fifteen sprinter vans. Multi-vehicle fleets get fleet policies with discounts. We size the policy to the operation.
Owned vehicles need physical damage. Leased ones too (the lessor demands it). Employee-driven personal cars need HNOA. Different mix, different stack.
If you can write a check for a new truck tomorrow, you might skip physical damage on an older unit. If you can't, you keep it. Honest math, not upsell.
Single-county service van rates differently than statewide delivery. Crossing into NY or PA changes things. We rate to the actual use, not the ZIP code.