Cape May County NJCAIP Commercial Auto Insurance Producers

What does an Cape May County business owners 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 emergency medical response fleets
NJCAIP insures emergency medical response fleets

NJCAIP insures straight trucks, box trucks, tow truck all the way up to large commercial trucking fleets.

Commercial auto insurance canceled? What is a business owner to do for insurance? Try getting some help and free quote from our NJCAIP certified producers and see if it works for your business.
Get a NJCAIP quote.

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.
Minivan
Sport utility vehicle
Canopy express
Pickup truck
Panel truck
Cab-forward
Tow truck (may also be a medium or heavy truck)
Panel van
Sedan delivery

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.
Box truck
Van
Cutaway van chassis
Medium Duty Truck
Medium Standard Truck
Platform 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)
Mobile crane
Dump truck
Garbage truck
Log carrier
Refrigerator truck
Tractor unit
Tank truck

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.

Split limits

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”.

Cape May County Towns Served

0501 AVALON BORO Cape May County
0502 CAPE MAY CITY Cape May County
0503 CAPE MAY POINT BORO Cape May County
0504 DENNIS TWP Cape May County
0505 LOWER TWP Cape May County
0506 MIDDLE TWP Cape May County
0507 NORTH WILDWOOD CITY Cape May County
0508 OCEAN CITY CITY Cape May County
0509 SEA ISLE CITY CITY Cape May County
0510 STONE HARBOR BORO Cape May County
0511 UPPER TWP Cape May County
0512 WEST CAPE MAY BORO Cape May County
0513 WEST WILDWOOD BORO Cape May County
0514 WILDWOOD CITY Cape May County
0515 WILDWOOD CREST BORO Cape May County
0516 WOODBINE BORO Cape May County


We offer New Venture Insurance for several different industries including NJ start up trucking companies as well as the entire Transportation industry.