Services

At Liability Insurance NJ, we understand the importance of having reliable insurance coverage for your vehicles. Whether you’re a private driver or a commercial fleet operator, navigating the road comes with inherent risks. That’s where we come in. As your trusted insurance partner, we specialize in providing comprehensive auto and truck insurance solutions tailored to your unique needs.

With our expertise in the industry and commitment to excellence, we strive to offer more than just insurance policies. We aim to provide peace of mind, knowing that you’re protected against unforeseen accidents and incidents on the road. From personalized coverage options to dedicated claims assistance, we’re here to support you every step of the way.

Explore our range of services and discover why Liability Insurance NJ is the preferred choice for drivers and fleet operators alike. Your safety and satisfaction are our top priorities. Contact us today to learn more and experience the difference firsthand.

General Liability Insurance

General liability insurance protects your business from claims of bodily injury, property damage, and personal injury that may occur during the course of your operations. It provides financial coverage for legal fees, medical expenses, and settlements in the event of a covered lawsuit, helping safeguard your business’s financial stability and reputation.

Commercial Auto Insurance

Commercial auto insurance provides coverage for vehicles used for business purposes, including cars, trucks, vans, and specialty vehicles. It protects your business against financial losses resulting from accidents, theft, vandalism, and other covered perils, ensuring that your vehicles and drivers are adequately protected while on the road.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance, protects professionals from claims of negligence, errors, or omissions that may arise from the services they provide. It provides coverage for legal fees, settlements, and damages resulting from professional mistakes, helping protect your reputation and financial interests.

Primary Liability Insurance

Primary liability insurance provides coverage for bodily injury and property damage caused by your trucking operations when you are at fault in an accident. It is a fundamental component of commercial truck insurance, ensuring that you meet the minimum legal requirements for liability coverage while operating your commercial vehicles.

Physical Damage Insurance

Physical damage insurance provides coverage for damages to your commercial vehicles resulting from collisions, theft, vandalism, fire, and other covered perils. It helps protect your investment in your vehicles by covering the cost of repairs or replacement, minimizing financial losses and downtime for your business.

Non-Trucking Liability (Bobtail Coverage)

Non-trucking liability insurance, also known as bobtail coverage, provides liability protection for commercial truckers when they are operating their trucks without a trailer, such as during personal use or when not under dispatch. It offers coverage for bodily injury and property damage to third parties, filling potential gaps in coverage during non-business use.

ICC Authority

ICC authority, or interstate operating authority, is required for motor carriers that transport regulated commodities across state lines in the United States. It is granted by the Federal Motor Carrier Safety Administration (FMCSA) and signifies compliance with federal regulations governing interstate transportation, ensuring legal authorization for interstate commerce.

Motor Truck Cargo Insurance

Motor truck cargo insurance provides coverage for the cargo being transported by commercial trucks against loss, damage, or theft during transit. It protects carriers from financial losses resulting from cargo-related incidents, providing reimbursement for the value of the cargo and mitigating potential liabilities.

Workers Compensation Insurance

Workers compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who suffer work-related injuries or illnesses. It helps protect both employers and employees by providing financial support and ensuring compliance with state-mandated requirements for workplace injury compensation.

Occupational Accident Insurance

Occupational accident insurance offers benefits to independent contractors or owner-operators who are not covered by traditional workers’ compensation insurance. It provides coverage for medical expenses, disability benefits, and death benefits resulting from work-related accidents or injuries, offering financial protection and peace of mind for those engaged in hazardous occupations.

At Liability Insurance NJ, we are committed to providing reliable coverage, exceptional service, and peace of mind to our valued clients. Whether you’re in need of general liability insurance, commercial auto insurance, or specialized coverage options, our dedicated team is here to assist you every step of the way. Contact us today to learn more about how we can help protect what matters most to you.