Commercial auto · New Jersey
Your vehicles work hard. Cover them like it.
A personal auto policy usually does not respond when a vehicle is used for business. We build commercial auto coverage around what you carry, where you drive and who is behind the wheel.
Commercial AutoWhat it covers
What commercial auto can cover
The core is liability, with physical damage and extras layered on.
Liability
Injury and property damage you or your drivers cause to others while using a company vehicle.
Physical damage
Collision and comprehensive for your own vans, trucks and cars, including theft and weather.
Uninsured motorist
Protection when another driver hits your vehicle and has no insurance or too little.
Hired and non-owned auto
Covers rented vehicles and employees using their own cars for errands or deliveries.
Tools and equipment
Options for tools, ladders and equipment stored in the vehicle.
Rental reimbursement
Pays for a replacement vehicle while yours is repaired so work does not stop.
Claims
When a claim hits, we move.
One number to call, one team that follows it to the check.
Get my free quote- 01
Tell us what happened
One call or a short note with photos. We log the details and open the claim with your carrier the same day.
- 02
We file it for you
Estimates, forms and documents go through us. You sign, we submit, and we keep copies of everything.
- 03
We follow it to payment
We stay on the adjuster until the check is right. If something looks off, we push back with you.
New Jersey notes
Commercial auto in New Jersey
A few things owners often learn too late.
Personal policies exclude most business use
Driving to clients or carrying tools and materials can be treated as business use. Tell us how the vehicle is really used.
Contracts often set limits
Customers, general contractors and lenders may require specific liability limits and to be named on your policy. Send us the requirements.
Driver records drive price
Every regular driver is reviewed. We help you list drivers correctly instead of finding a gap at claim time.
Business lines
Every kind of business, covered properly.
Pick your industry or the risk you want to solve. Each page explains what the policy does and what New Jersey owners should watch for.
Commercial Auto
Vans, trucks and company cars used for work in NJ.
Get a quoteWorkers’ Compensation
Medical costs and lost wages for job-related injuries.
Get a quoteGeneral Liability
Third-party injury and property damage claims.
Get a quoteBusiness Owner’s Policy (BOP)
General liability, property and income protection in one package.
Get a quoteContractors
Liability, tools and coverage for trades and builders.
Get a quoteRestaurants
Kitchen fire, spoilage, liquor liability and staff coverage.
Get a quoteProfessional Liability (E&O)
Errors, omissions and negligence claims for service providers.
Get a quoteCommercial Property
Buildings, contents, equipment and rent for commercial locations.
Get a quoteWho it is for
Made for working vehicles
If it has your company name on it or earns you money, it belongs here.
Get my free quote- Plumber or electrician with a service van
- Landscaper with a truck and trailer
- Delivery or courier business
- Owner-operator or small fleet
- Employees driving personal cars for work
- Rental cars used for business trips
Questions
Commercial auto questions we hear every week
Can I insure a work vehicle on my personal policy?
Usually not when it is used for business. A claim can be denied if the insurer finds business use that was not disclosed. Telling us up front protects you.
Do I need coverage for employees who use their own cars?
Yes, hired and non-owned coverage can protect your business if an employee causes an accident while doing something for you.
Is a vehicle titled to me or my LLC?
The named insured should match how it is titled and used. We help you structure it correctly so coverage responds when needed.