New Jersey state law requires all businesses with employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles in New Jersey must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
New Jersey’s commercial auto insurance requirements are:
In New Jersey, insurance agents, agencies, and brokers are licensed by the New Jersey Department of Banking and Insurance. Insureon is licensed in New Jersey as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 1281440). Verify our licensure with the National Association of Insurance Commissioners.