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What is NJ CAIP? Commercial Auto Insurance for hard to insure NJ risks from contractors to transport vehicles, public livery, trucking, busing and more.

NJCAIP is the state of New Jersey mechanism for Commercially Registered Vehicles that are not insurable immediately in the NJ Voluntary or NJ Preferred Insurance Markets. Established January 1, 1984 under N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-1.2, to provide coverage for a New Jersey commercial automobile risks unable to obtain coverage in the voluntary market.

NJCAIP NJ Commercial Auto-Truck-Bus Insurance. Getting commercial auto insurance for contractors, trucking operations or bus insurance in New Jersey can sometimes be hard. Use NJCAIP Certified Producers when you have been declined or canceled elsewhere or have problems finding coverage.

These types of risks may be referred to as “High Risk Commercial Auto Insurance” or “Non Standard – Assigned Risk Commercial Vehicle Insurance Plan”. This is where you go to find coverage when you can’t get insured elsewhere.

NJCAIP Certified Producers insure Commercially Registered Vehicles, private passenger types, contractors vehicles, tractor trailer trucks, straight trucks, box trucks, buses, bus fleets, public livery, transport vans and others that are not insurable immediately in the NJ Commercial Vehicle Insurance Voluntary or NJ Preferred Insurance Markets.

NJCAIP Commercial Auto Insurance website helps business owners and consumers that need to insure trucks-vans-big rigs-buses and fleets. Producers and insurance companies use plan office line.

All commercial motor vehicles registered or principally garaged in New Jersey are mandated by law to maintain liability insurance, N.J.S.A. 39:6B et seq. Commercial auto-truck-van-bus-public livery insurance coverage may be obtained on a voluntary market basis or through a licensed producer certified by the New Jersey Commercial Auto Insurance Plan (NJCAIP).

Only NJCAIP Certified Producer Agents may offer this Commercial Auto Insurance coverage and transact these types of policies.

What is Commercial Vehicle Insurance?

Commercial Auto Insurance or Business Auto Insurance insurance policies (BAP’s) insures a businesses use of cars, trucks, vans, big rigs, buses and many other possible vehicles in the daily routine of business operations. Policy coverage usually include vehicles that may be owned or leased by the business, hired by the company, or possibly vehicles that may be owned by certain employees that are used for business purposes.

Here is a partial list of business types that find coverage from NJCAIP:

•Charter, Sightseeing & Tour Buses •Shuttle Buses •Limousines & Town cars •Stretch Limousines •Luxury Sedans/SUVs •Shuttle Vans used for airport, employee transport or hotel & parking facilities •Taxi (Rates are very high) •Church Bus, Charter Bus, Hotel Shuttle, Group Homes Vehicles, School Buses, Limousines, Kiddie Transports, Day Care Vehicles, Head Start Programs, Sightseeing Buses, Wilderness Expeditions, Social Service Vehicles •Trucking including tow trucks, logging, distributors, contractors vehicles, petroleum haulers, concession trucks, mobile food trucks and auto haulers •Public transportation including limos, church buses, charter buses, social service, daycare, party buses, wilderness expedition, and private school buses •Special transportation including driver training vehicles, ambulances, security vehicles, and daily auto rental. Ambulette & Ambulance:Non-Emergency, Emergency, Medical, Social Service, Handicap, Van & Bus Mobility

Licensed and State Certified NJCAIP Producers-Transportation Coverage Specialists will help you find the right commercial vehicle insurance at the best price that is available to you.

For some policies outside NJCAIP you may qualify for one or more of the following discounts.

› Stackable discounts › Paid In Full › Business Experience › Package › Faster, easier payments › Direct-to-consumer billing › Flexible installment plans › No-interest financing › Low initial payments › Online and phone payments › Check, credit, money order, EFT accepted on certain policies.

NJCAIP.ORG, NEW JERSEY COMMERCIAL AUTO INSURANCE HELP SITE IS THE FREE BUSINESS OWNERS AND CONSUMERS ONLINE RESOURCE FOR NJ-NY-PA-DE COMMERCIAL AUTO INSURANCE AND BUSINESS OWNERS INSURANCE THAT HAVE NOT BEEN ABLE TO SECURE COVERAGE IN THE PREFERRED MARKETS