Protect your company's vehicles by opting for a personalized commercial auto policy tailored specifically for your New Jersey business. A vast number of the state's small businesses understand the significance of commercial auto insurance in protecting their assets from accidents involving business vehicles. Commercial vehicles, different from personal cars, face increased risks, requiring specialized coverages and limits that go beyond the standard provisions of personal auto policies.

Our dedication goes beyond the ordinary, ensuring tailor-made coverage for every client, whether they operate as a HVAC tech in Flemington or a landscaper in Clinton. We are here to help businesses in Hunterdon County get the right coverage for them. 

Some Businesses Categories Qualifying for Commercial Auto Coverage:

Business Auto:

Commercial auto insurance is crucial for vehicles used by employees or engaged in business activities such as client visits or running errands. Personal auto insurance typically does not extend coverage to vehicles used for work-related purposes.

Contractors:

Commercial auto coverage is essential for contractors, providing protection for tasks related to the transportation of tools and supplies, as well as travel between job sites. These business-related activities require the additional protection offered by a commercial policy.

Food Truck:

The success of food trucks and other food service businesses, including restaurants and food vendors, heavily depends on their commercial vehicles. Many food trucks are equipped with expensive tools that can be covered by a commercial auto policy.

For-Hire Livery:

Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Additionally, some ridesharing vehicles may require commercial coverage.

Heavy Truck:

From dump trucks to tractor trailers, heavy-duty pickups, and box trucks, all typically require commercial auto coverage.

Tow Truck:

Wreckers, Flatbeds, or roadside repair vehicles, we can assist you in obtaining the right coverage. Specialty tow coverages like On-hook and Garagekeepers Legal Liability are options to ensure protection for a customers vehicle.

Several factors contribute to the cost of your New Jersey commercial auto policy, including:

Profession:

Different industries carry varying levels of risk. For instance, a carpenter transporting tools and equipment daily may expect higher premiums compared to a small office running occasional errands.

Vehicle:

The size and usage of your vehicle impact your rate. A large street sweeper or plow truck may incur a higher premium than an electrician's van.

Driving History:

Commercial auto insurance carriers assess the driving records of all individuals with access to your business vehicles. Drivers with accidents or violations typically result in increased rates, with a focus on the past three to five years of driving history.

Location:

The location also plays a role, with commercial auto coverage often costing more in larger cities like Trenton than in smaller towns like Clinton. Prices tend to be higher in areas with more claims or costly settlements, especially those prone to weather-related events such as hurricanes and floods.

Travel Radius:

The distance you regularly travel impacts your commercial auto rate. Vehicles with local routes within city limits are deemed lower risk than those with regional routes covering multiple states.

Coverage Needs:

The amount of coverage required affects your premium. Policyholders with the New Jersey state minimum limits of 25/50/25 will generally pay less than those needing higher limits, such as $1 million in liability, garagekeepers, on-hook, and cargo coverage.

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