Commercial Auto 

Commercial Auto Insurance is necessary for businesses that own vehicles used for work-related activities in New Jersey. While personal auto insurance is legally required for all registered vehicles, it may not provide sufficient coverage for business-owned vehicles and work-related activities. Having a dedicated commercial auto insurance policy ensures that you, your drivers, your vehicles, and others on the road are adequately protected.

Here are some key reasons why you need Commercial Auto Insurance:

Compliance with the Law: All business-owned vehicles in New Jersey must be covered by commercial auto insurance as required by law.

Enhanced Protection: Commercial auto insurance provides coverage beyond what personal auto insurance offers, protecting you from liability lawsuits, uninsured vehicle damage, and penalties from law enforcement.

Customized Coverage: A commercial auto policy can be tailored to your specific needs, offering coverage options such as collision coverage for vehicle repair or replacement, comprehensive coverage for non-collision damage (theft, vandalism, etc.), and rental insurance to keep your business running while a damaged vehicle is being repaired.

Hired and Non-Owned Auto Insurance (HNOA): If you or your employees use personally owned vehicles for work purposes, HNOA coverage is essential. It protects against liability lawsuits and ensures that accidents or liabilities during work-related travel are covered.

Risk Mitigation: Commercial auto insurance helps protect your business from financial liabilities and potential lawsuits resulting from accidents involving your vehicles. It safeguards your assets, including your business's reputation and future growth.

When considering commercial auto insurance, it's important to consult with an insurance professional who understands your business's specific needs. Their expertise and access to multiple carriers can help you assess your insurance requirements and find the right policy to protect your business in the event of a loss.

The cost of commercial auto insurance depends on various factors, including the number of vehicles insured, vehicle type and value, level of risk, accident and claims history, employee driving records, and the deductibles and coverage limits you choose. By working with an experienced insurance agent, you can navigate the complexities of commercial auto insurance and find the best coverage for your business's needs.