New Jersey commercial auto. Built around your work.

Describe the route, including trips beyond New Jersey.

If your vehicles cross into New York or Pennsylvania, include those trips in the application conversation. Explain whether the work involves appointments, deliveries, hauling equipment or transporting people. A business address alone does not describe the operating territory. Tell Daniel about seasonal changes and occasional longer journeys, too.

Separate the vehicle from what it carries.

List permanently installed equipment, removable tools, customer property and cargo separately. Do not assume that insuring the van also insures everything inside it. Ask which policy would address each exposure and whether a separate tools, inland marine or cargo discussion is appropriate for the work you perform.

Include borrowed, rented and employee-owned vehicles.

A company may use more vehicles than the ones it owns. Describe rentals and employees using personal cars for business errands. Ask about hired and non-owned auto options and how they fit with other insurance. Provide lease or finance requirements and any customer contract that specifies vehicle coverage.

Compare a complete set of choices.

Review liability limits, physical damage deductibles, named drivers and covered use alongside the premium. New Jersey's personal auto guide explains state policy choices, but it should not be treated as a commercial policy specification. Ask Daniel which requirements and options apply to your operation before making selections.

Have these details ready.

• Vehicle list with year, make, model, ownership and garaging address.
• Driver list and a description of each person's role.
• Typical routes, operating radius and any out-of-state work.
• Current declarations, renewal date and available loss information.
• Equipment details, rental use and relevant contract requirements.