top of page
White Minibuses

Long Haul - Short Haul & Commercial Auto Insurance

Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverage(s). Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. 

Just as you need to protect the structure of your business, your inventory, and your personal interests and assets with the appropriate insurance coverage, businesses that have vehicles for delivery, as part of a service fleet, or for any other reason, need to have those vehicles covered by an adequate commercial auto insurance policy.

Commercial Insurance Coverage for Automobiles

Commercial coverage for your vehicles covers you in the event of an accident when you are driving for business reasons. It also protects business owners when an employee is involved in an auto accident.


Plus, if your employees use their own personal vehicles to run errands, carry out deliveries, make sales visits, or perform service calls for your business, you could be liable for any accidents they cause.

There are various types of coverage businesses should consider investing in when it comes to commercial auto insurance, such as these listed below.

Property Damage and Bodily Injury Liability Coverage.

This covers not only the damages resulting from an accident in which you are deemed responsible, but also helps to cover your defense and court costs too.

Medical Payments Coverage. 

This is sometimes referred to as personal injury as it helps to cover medical expenses and/or funeral costs of covered people who are injured or killed in an accident involving your covered vehicle.

Comprehensive and Collision Coverage. 

This auto insurance policy for businesses covers incidents that do not involve other cars. This includes things like running into light poles, backing into trees, or driving through garage doors. It also offers coverage when damage or absence is caused by something other than a collision or accident, such as hail damage, graffiti, or car theft.


Uninsured/Underinsured Motorist Coverage. 

While the state of New Jersey requires all drivers to at least have a liability insurance policy, the sad fact remains that many cars on the road today do not have this critical coverage. This leaves you bearing the brunt of the burden for medical expenses and auto repair or replacement costs after an accident — unless you have this highly valuable type of coverage.

Additional Liability Insurance. 

Many business owners are uncomfortable with the standard amount of liability coverage for their vehicles, which is why it’s perfectly acceptable to invest in additional liability coverage for your business needs.

Employer Non-Owned Car Liability Coverage (ENOL). 

This coverage is critical for businesses that allow employees to use their own cars for business purposes. Whether it’s a delivery driver for a pizza shop or an office worker running to the post office on behalf of the business, this commercial auto insurance policy is a good one to have. This coverage insulates the business from large judgments in the event of accidents.

Who Needs Commercial Auto Coverage?

Anyone in business today that has vehicles or allows employees to conduct business in their personal vehicles needs some type of commercial auto policy to protect the business. Discuss your specific needs with an independent agent today.


Coverage options are available for a wide range of vehicles including:

  • Long Haul 

  • Short Haul

  • Box Trucks

  • Flatbeds

  • Passenger Vehicles

  • Refrigerator Trucks

  • SUVs

  • Pickup Trucks

  • Tow Trucks

  • Vans

  • And more...

Why Trust Us for Your Commercial Auto Insurance Needs?

In addition to 50 years of service to the New Jersey business community, we are independent insurance agents. This means that we don’t have an exclusive relationship with one insurer and can shop around to find you the best coverage to meet your needs at affordable rates.

Don’t shop cheap Internet insurance shops that promise the mean but deliver inexpensive coverage with non-existence service.


Bhi-Insurance-Associates-Logo full.jpg
bottom of page