What does a Bergen County business owner do when they cannot find commercial auto insurance to insure the company vehicles? They turn to NJCAIP for coverage.
NJCAIP insures many different types of smaller commercially registered vehicles from one pickup truck to large fleets of delivery or courier vehicles to emergency/non emergency response vehicles.
NJCAIP insures straight trucks, box trucks, tow truck all the way up to large commercial trucking fleets.
Why would my commercial auto insurance company cancel my policy?
Your insurer may choose not to renew your policy for a variety of reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk? Not only are these scenarios considered unsafe and illegal, they are justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident. This does not apply to State High Risk Insurance Pool policies where your company has coverage at a cost that reflects the risk involved.
Light trucks are larger than mini trucks but smaller than medium trucks. In the US, they are defined as weighing between 00001–14000 lb (0001–6350 kg). There is no smaller classification.
Sport utility vehicle
Tow truck (may also be a medium or heavy truck)
Medium trucks are larger than light but smaller than heavy trucks. In the US, they are defined as weighing between 14001–26000 lb (6351–11793 kg). In North America, a medium-duty truck is larger than a heavy-duty pickup truck or full-size van.Some trucks listed as medium also are made in heavy versions.
Cutaway van chassis
Medium Duty Truck
Medium Standard Truck
Flatbed truck (may also be light duty trucks)
Firetruck (may also be a heavy truck)
Recreational Vehicle or Motorhome
Heavy trucks are heavier than medium trucks. They weigh between 26001 to over 33000 lb (11794 to over (14969 kg). There is no higher on-road classification.
Many heavy trucks listed are also made in medium duty versions:
Concrete transport truck (cement mixer)
Combined single limit
A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
A split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.
The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.
Bergen County Towns Served
0201 ALLENDALE BORO Bergen County
0202 ALPINE BORO Bergen County
0203 BERGENFIELD BORO Bergen County
0204 BOGOTA BORO Bergen County
0205 CARLSTADT BORO Bergen County
0206 CLIFFSIDE PARK BORO Bergen County
0207 CLOSTER BORO Bergen County
0208 CRESSKILL BORO Bergen County
0209 DEMAREST BORO Bergen County
0210 DUMONT BORO Bergen County
0211 ELMWOOD PARK BORO Bergen County
0212 E RUTHERFORD BORO Bergen County
0213 EDGEWATER BORO Bergen County
0214 EMERSON BORO Bergen County
0215 ENGLEWOOD CITY Bergen County
0216 ENGLEWOOD CLIFFS BORO Bergen County
0217 FAIRLAWN BORO Bergen County
0218 FAIRVIEW BORO Bergen County
0219 FORT LEE BORO Bergen County
0220 FRANKLIN LAKES BORO Bergen County
0221 GARFIELD CITY Bergen County
0222 GLEN ROCK BORO Bergen County
0223 HACKENSACK CITY Bergen County
0224 HARRINGTON PARK BORO Bergen County
0225 HASBROUCK HGHTS BORO Bergen County
0226 HAWORTH BORO Bergen County
0227 HILLSDALE BORO Bergen County
0228 HOHOKUS BORO Bergen County
0229 LEONIA BORO Bergen County
0230 LITTLE FERRY BORO Bergen County
0231 LODI BORO Bergen County
0232 LYNDHURST TWP Bergen County
0233 MAHWAH TWP Bergen County
0234 MAYWOOD BORO Bergen County
0235 MIDLAND PARK BORO Bergen County
0236 MONTVALE BORO Bergen County
0237 MOONACHIE BORO Bergen County
0238 NEW MILFORD BORO Bergen County
0239 NORTH ARLINGTON BORO Bergen County
0240 NORTHVALE BORO Bergen County
0241 NORWOOD BORO Bergen County
0242 OAKLAND BORO Bergen County
0243 OLD TAPPAN BORO Bergen County
0244 ORADELL BORO Bergen County
0245 PALISADES PARK BORO Bergen County
0246 PARAMUS BORO Bergen County
0247 PARK RIDGE BORO Bergen County
0248 RAMSEY BORO Bergen County
0249 RIDGEFIELD BORO Bergen County
0250 RIDGEFIELD PARK VILLAGE Bergen County
0251 RIDGEWOOD VILLAGE Bergen County
0252 RIVEREDGE BORO Bergen County
0253 RIVERVALE TWP Bergen County
0254 ROCHELLE PARK TWP Bergen County
0255 ROCKLEIGH BORO Bergen County
0256 RUTHERFORD BORO Bergen County
0257 SADDLE BROOK TWP Bergen County
0258 SADDLE RIVER BORO Bergen County
0259 SO HACKENSACK TWP Bergen County
0260 TEANECK TWP Bergen County
0261 TENAFLY BORO Bergen County
0262 TETERBORO BORO Bergen County
0263 UPPER SADDLE RIV BORO Bergen County
0264 WALDWICK BORO Bergen County
0265 WALLINGTON BORO Bergen County
0266 WASHINGTON TWP Bergen County
0267 WESTWOOD BORO Bergen County
0268 WOODCLIFF LAKE BORO Bergen County
0269 WOOD RIDGE BORO Bergen County
0270 WYCKOFF TWP Bergen County
We offer Bergen County New Venture Insurance for several different industries including start up trucking companies as well as the entire Transportation industry.