Running business vehicles in New Jersey or Pennsylvania brings opportunity — but also exposure. Whether you’re delivering goods, transporting materials, or servicing clients, every trip adds risk. That’s where commercial auto insurance from MPL Risk comes in. We help companies of all sizes safeguard their vehicles, drivers, and operations.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance protects vehicles used for business purposes — cars, vans, and trucks owned, leased, or rented by your company.
Key protections include:
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Liability coverage: for injuries or property damage you cause to others.
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Physical damage coverage: for collision, theft, vandalism, or weather damage to your vehicles.
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Uninsured/underinsured motorist protection: if another driver lacks sufficient coverage.
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Medical payments coverage: for driver or passenger injuries.
In NJ & PA, businesses using vehicles commercially must maintain state-required liability limits and meet FMCSA regulations for larger fleets.
Who Needs Commercial Auto Insurance in NJ & PA
If your business owns, leases, or uses vehicles for deliveries, service calls, or transportation, you need commercial auto coverage.
Common examples include:
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Contractors and trades using vans or pickups.
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Delivery services and couriers.
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Fleet owners, trucking companies, and logistics firms.
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Any company where employees drive as part of their work.
Even a single vehicle used for business may require a commercial policy — personal insurance won’t cover business-use claims.
Key Factors That Affect Your Premium
Insurers price commercial auto insurance based on several factors:
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Driver records – past violations increase risk.
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Vehicle type and use – heavier or specialized vehicles cost more to insure.
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Business location – dense NJ & PA metro areas carry higher claim frequency.
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Safety programs – regular maintenance and driver training can reduce rates.
MPL Risk helps clients build safer fleets and secure the most competitive premiums.
Why Choose MPL Risk
Our experts understand the unique challenges NJ & PA businesses face. We partner with carriers that specialize in commercial auto insurance and offer tailored endorsements such as hired/non-owned auto coverage, loading and unloading liability, and pollution protection.
When you work with MPL Risk, you get more than a quote — you get guidance, compliance insight, and a long-term partner in risk management. Don’t wait for an accident to test your policy. Protect your business vehicles today with coverage built around your routes, your drivers, and your future.
