--- title: "Commercial Auto Insurance in New Jersey" description: "New Jersey sets a $1.5 million commercial-vehicle liability limit, with a $300,000 single-limit tier for 10,001–26,000-pound GVWR vehicles, and offers a residual commercial auto plan." canonical: "https://spot.insure/coverage/commercial-auto/new-jersey" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/new-jersey) # Commercial Auto Insurance in New Jersey For policies initiated or renewed from July 1, 2024, New Jersey requires $1.5 million CSL for defined commercial motor vehicles, with a $300,000 CSL exception for vehicles at least 10,001 but under 26,001 GVWR. If voluntary insurers decline a commercial risk, the state’s Commercial Automobile Insurance Plan may be an option for eligible businesses.[^1][^2][^3] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [New Jersey](/coverage/states/new-jersey) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## New Jersey Requirements | Requirement | Details | | --- | --- | | Commercial motor vehicle liability | $1.5 million CSL; $300,000 CSL for 10,001–<26,001 GVWR vehicles[^1] | ## What to Watch for in New Jersey ### Verify the Commercial Registration and Weight Tier The statute includes commercially registered vehicles in its CMV definition. It sets $1.5 million CSL generally and a $300,000 exception for 10,001–under-26,001 GVWR vehicles. Confirm the registration class and manufacturer GVWR; do not rely on payload or a label like “light truck.”[^1] ### Use the MVC Certificate Instructions for Your Vehicle Class MVC’s PVT instructions identify the insurance certificate details and list the MVC as certificate holder for designated commercial classes. The same page lists different minimums for some tow-truck classes. Ask the registration unit which class code applies and have the insurer issue the matching certificate.[^2] ### Ask About CAIP After Voluntary Declinations NJDOBI says the New Jersey Commercial Automobile Insurance Plan exists for commercial-auto risks unable to get voluntary-market coverage. If standard submissions are declined, ask a licensed producer whether your business qualifies and what application is required.[^3] ### Check the Renewal Date Against the Statutory Schedule The commercial minimums took effect July 1, 2024; a separate personal policy floor changes for policies issued or renewed on/after Jan. 1, 2026. Ask the broker to show the commercial class/weight provision on the renewal, rather than treating the personal 2026 amounts as the fleet limit.[^1] ## Who Regulates Insurance in New Jersey **New Jersey Department of Banking and Insurance.** New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms.[^4][^5][^6][^7] - [Regulator website](https://www.nj.gov/dobi/) - [License lookup](https://www.nj.gov/dobi/inslic.htm) - [File a complaint](https://www.nj.gov/dobi/consumer.htm) - Phone: 800-446-7467 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of gross premium, less return premium New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection.[^8][^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in New Jersey; [check the regulator’s license lookup](https://www.nj.gov/dobi/inslic.htm) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^17] ## Questions to Ask Before You Buy in New Jersey 1. What statutory CMV definition and GVWR tier is the insurer using for each New Jersey registration? 2. Does the MVC need to appear as certificate holder for our PVT class, and what exact vehicle list should the certificate show? 3. If voluntary markets decline, can a producer submit our risk to CAIP and what eligibility rules apply? ## Commercial Auto in New Jersey: FAQ ### What liability limit applies to a New Jersey commercial vehicle? The statute sets $1.5 million combined single limit for defined commercial vehicles, with a $300,000 CSL exception for vehicles from 10,001 to under 26,001 pounds GVWR. The definition includes commercially registered vehicles.[^1] ### What can a New Jersey business try after commercial auto declinations? NJDOBI identifies the Commercial Automobile Insurance Plan for commercial-auto risks unable to obtain voluntary-market coverage. Ask a producer whether your risk is eligible.[^3] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in New Jersey](/coverage/states/new-jersey) ## Sources [^1]: [P.L. 2023, c. 276](https://pub.njleg.state.nj.us/Bills/2022/AL23/276_.HTM) — New Jersey Legislature; §1(a),(e), §3: commercial limits, CMV definition/weight tier and effective application to policies on/after July 1, 2024; §2 amends autocab filing. Accessed 2026-09-28. [^2]: [Commercial Vehicle and Registration Information](https://www.nj.gov/mvc/vehicles/commvehinfo.htm) — New Jersey Motor Vehicle Commission; PVT registration and class-specific vehicle certificate instructions, certificate holder, tow-truck limits. Accessed 2026-09-28. [^3]: [Office of Property & Casualty: Commercial Auto Insurance Plan](https://www.nj.gov/dobi/division_insurance/propcas.htm) — New Jersey Department of Banking and Insurance; NJ CAIP section: residual commercial-auto market for risks unable to obtain voluntary coverage; eligibility details not established by page. Accessed 2026-09-28. [^4]: [New Jersey Department of Banking and Insurance](https://www.nj.gov/dobi/) — New Jersey Department of Banking and Insurance; Official regulator homepage.. Accessed 2026-09-28. [^5]: [Division of Insurance](https://nj.gov/dobi/division_insurance/index.htm) — New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns.. Accessed 2026-09-28. [^6]: [Insurance Licensing and Education](https://www.nj.gov/dobi/inslic.htm) — New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search.. Accessed 2026-09-28. [^7]: [Consumer Information](https://www.nj.gov/dobi/consumer.htm) — New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467.. Accessed 2026-09-28. [^8]: [Surplus Lines FAQs](https://www.nj.gov/dobi/division_insurance/sleofaqs.htm) — New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation.. Accessed 2026-09-28. [^9]: [N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements](https://www.nj.gov/dobi/division_insurance/pdfs/slpolicy.pdf) — New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List.. Accessed 2026-09-28. [^10]: [Surplus Lines Tax Q&A](https://www.nj.gov/dobi/division_insurance/pdfs/sl_portableanswerbook.pdf) — New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage.. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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