NJCAIP.Org Services

Helpful Resources

New Jersey commercial insurance

THIS IS NOT FOR INSURANCE AGENTS/AGENCIES.

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 risk unable to obtain coverage in the voluntary market.

Get your free quote started here!

If you own your own New Jersey business or are a partner in one, you're probably already familiar with risk. Few things in life are riskier than starting and running your own business. Part of the risk of any small business is the loss of critical tools and property or liability to others. Either of which can cause loss of income or even force you to close your doors. A Large New Jersey companies employ full-time risk managers to keep their risk-taking to a minimum. But chances are that as a smaller NJ business operator, you are your company's risk manager, along with its personnel director, office manager, and possibly the entire staff all rolled into one. While juggling all the jobs that need to get done to make your New Jersey business a smooth running and profitable operation, you may already be asking yourself, "Who has enough time to think about insurance?" You do! Keeping risks and losses to a minimum is an important part of business success in NJ, especially for smaller, newer businesses. Take a few minutes now to check your risk factors, find out your insurance needs and learn the many options available to you. And remember choosing the right agent is as important as choosing the right insurance.

What defines Private Passenger Automobile Insurance?

"Private passenger automobile" in New Jersey means a vehicle that meets the definition in N.J.S.A. 39:6A-2a, that is not eligible for coverage through any voluntary or residual market mechanism created by statute, and is owned by an individual or husband and wife; or owned jointly by two or more relatives other than husband and wife; or owned jointly by two or more resident individuals; or owned by a corporation, partnership and or unincorporated association, governmental agency, or registered to a professional designation that is, T/A, PA or P.C. where such automobiles are furnished to individuals and are not used for business purposes. "Private passenger type automobile" means a vehicle that meets the definition in N.J.S.A. 39:6A-2a and is owned by a corporation, partnership or any other entity except an individual or husband and wife and used for business purposes .


NJCAIP.Org Directory of State Certified NJ CAIP Producers Available for immediate consumer assistance. NJ CAIP.ORG IS THE ONLINE RESOURCE FOR NJ COMMERCIAL INSURANCE CONSUMERS THAT HAVE NOT BEEN ABLE TO SECURE COVERAGE IN THE PREFERRED MARKETS. THIS IS NOT AUTHORIZED BY,AFFILIATED WITH, NOR IN ANY WAY RELATED T0 AIPS0 ANY STATE INSURANCE AUTH0RITY,NOR ANY STATE APPROVED ASSIGNED RISK AUT0M0BILE INSURANCE PLAN. POLICIES MAY BE BOUND IMMEDIATELY AND PROCESSED SUBJECT TO NORMAL UNDERWRITING PROCEDURES AS SET FORTH BY THE CAIP PLAN MANUAL. PERSONAL AND COMMERCIAL NJ AUTOMOBILE AND NJ CAR INSURANCE-PAIP-CAIP-LIMITED ASSIGNMENT DISTRIBUTION INSURANCE COMPANIES IN New Jersey (LADS). ONLY A NJPAIP OR NJCAIP CERTIFIED PRODUCER MAY BIND COVERAGE FOR YOU.