Commercial Auto Insurance

Commercial Auto Insurance for New Jersey Businesses on the Move

From contractor vans running job to job to a single delivery car parked outside your shop, any vehicle your business depends on needs coverage built for commercial use. V Pallante Agency helps New Jersey business owners insure their vehicles correctly the first time, before a gap in coverage turns into a costly surprise.

New Jersey's Commercial Vehicle Insurance Minimums

New Jersey ties minimum liability requirements to vehicle weight. Light duty business vehicles must carry at least 35/70/25 in liability limits, medium duty trucks between 10,001 and 26,001 pounds need at least $300,000, and heavier trucks at or above 26,001 pounds must carry at least $1.5 million. Personal injury protection is required across the board, regardless of vehicle class.

Do Not Rely on a Personal Auto Policy for Business Use

Many owners assume their personal policy extends to work use, but personal auto insurers commonly exclude claims tied to business driving. If employees ever run errands or make deliveries in their own vehicles, hired and non-owned auto coverage closes that gap. It is one of the most overlooked exposures we see in New Jersey small businesses.

Coverage Built Around How You Use the Road

We help you decide which of these makes sense for your operation:

• Physical damage coverage for collision, theft, and vandalism to owned vehicles
• Hired and non-owned auto coverage for employee-owned vehicles used on the job
• Uninsured and underinsured motorist protection for your drivers
• Coverage for tools and equipment carried in your vehicles