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Commercial Auto
Personal auto policies often exclude vehicles used for business. Commercial auto covers the vans, trucks, and cars that keep your company moving.
What New Jersey residents should know
- New Jersey requires all vehicles to carry liability, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
- NJ minimum liability limits increased to $35,000 per person / $70,000 per accident for bodily injury and $25,000 for property damage (effective 2026).
- Vehicles registered to a business, or used to haul tools or goods, typically need a commercial policy.
- Hired and non-owned auto coverage protects your business when employees drive their own cars for work.
Common coverages
- • Liability
- • Personal Injury Protection
- • Collision & comprehensive
- • Uninsured motorist
- • Hired & non-owned auto
Craig's tip
Make sure every employee who drives for your business is listed and has a clean driving record on file.
This is general information, not legal advice. Requirements change — call us to confirm what applies to you.
Let's talk about what matters to you.
Friendly, no-pressure advice from a local agent who knows New Jersey.