New Jersey Business Insurance
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NJ Counties Business Insurance Information

New Jersey Business Insurance Information By County

Are you looking for business insurance information for a county in New Jersey?

Business insurance requirements vary both by state, counties and cities and that state. For example - workers compensation is virtually required in every state, but there are different rules on what constitutes and employee, and how many employees are needed to mandate coverage.

Also New Jersey counties, cities and municipalities might require specific coverages to do business in their jurisdiction. Below you will find every county in NJ that you can use to start researching the business insurance policies, endorsements and limits that may be required.

Looking for New Jersey business insurance information in a county? Find commercial insurance info - including costs, coverages and requirements - from all counties in NJ.

Where Can I Find Business Insurance Information For Counties In New Jersey?

Finding NJ business insurance information by county is simple - just by searching our New Jersey Directory of Counties - you can find the business insurance policy information you are looking for - including costs, coverages, minimum requirements and more.

New Jersey Business Insurance Information Results By County:

New Jersey - Small Business Insurance Information By County

How Are New Jersey State, County And Municipal Governments Organized?


The entire area of the state of New Jersey is encompassed by county governments. The counties are divided into the following six classes:

Counties not bordering on the Atlantic Ocean:

  • First class-more than 550,000 inhabitants and a population density of more than 3,000 persons per square mile.
  • Second class-all other counties with more than 200,000 inhabitants.
  • Third class-50,000 to 199,999 inhabitants.
  • Fourth class-fewer than 50,000 inhabitants.

Counties bordering the Atlantic Ocean:

  • Fifth class-more than 125,000 inhabitants.
  • Sixth class-not more than 125,000 inhabitants.

The county governing body is called the board of chosen freeholders.


The subcounty general purpose governments in New Jersey consist of municipal (borough, city, town, and village) governments and township governments. These two types of governments are distinguished primarily by the historical circumstances surrounding their incorporation. Borough, city, town, village, and township governments have similar powers and perform similar functions.

Municipal Governments

The term municipality as defined for U.S. Census Bureau statistics on governments applies only to the boroughs, cities, towns, and villages in New Jersey. Townships, which are treated as municipalities in New Jersey statutes, are counted in Census Bureau statistics as township governments, rather than municipal governments.

All cities, towns, boroughs, and villages exist outside the area of any governmentally active township. Cities are divided according to population size and location as follows:

  • First class-more than 150,000 inhabitants.
  • Second class-12,000 to 149,999 inhabitants.
  • Third class-fewer than 12,000 inhabitants, excluding seaside resorts bordering on the Atlantic Ocean.
  • Fourth class-resort cities bordering on the Atlantic Ocean.

Township Governments

Townships are classified in Census Bureau statistics as a separate type of government from municipal governments; however, these do not differ in legally authorized powers from the types of municipal governments described above.

All areas of the state are encompassed by township governments, except areas within the boundaries of a borough, city, town, or village.

Find more information on the state of New Jersey website.

Note: Some of this info was provided by the U.S. Department of Commerce, Economics and Statistics Administration and the U.S. Census Bureau.

How Do I Contact The New Jersey Insurance Commissioner?

20 West State Street, P.O. Box 325
Trenton, NJ 08625
Phone: (609) 292-5360


Request a free County New Jersey business insurance quote, or in these other NJ counties: Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union and Warren.

Or you can also request a free commercial insurance quote for NJ cities: Asbury Park, Atlantic, Bayonne, Beachwood, Bellmawr, Bergenfield, Bound Brook, Bridgeton, Camden, Carteret, Cliffside Park, Clifton, Collingswood, Dover, Dumont, East Orange, Eatontown, Edgewater, Elizabeth, Elmwood Park, Englewood, Fair Lawn, Fairview, Florham Park, Fort Lee, Franklin Lakes, Freehold, Garfield, Glassboro, Glen Rock, Gloucester, Guttenberg, Hackensack, Haddonfield, Hammonton, Harrison, Hasbrouck Heights, Hawthorne, Highland Park, Hillsdale, Hoboken, Hopatcong, Jersey, Keansburg, Kearny, Kinnelon, Lincoln Park, Linden, Lindenwold, Little Ferry, Lodi, Long Branch, Madison, Manville, Metuchen, Middlesex, Millville, Morristown, New Brunswick, New Milford, New Providence, Newark, North Arlington, North Plainfield, Oakland, Ocean, Palisades Park, Paramus, Passaic, Paterson, Perth Amboy, Phillipsburg, Pine Hill, Plainfield, Pleasantville, Point Pleasant, Pompton Lakes, Princeton, Rahway, Ramsey, Red Bank, Ridgefield Park, Ridgefield, Ridgewood, Ringwood, River Edge, Roselle Park, Roselle, Rutherford, Sayreville, Secaucus, Somers Point, Somerville, South Plainfield, South River, Summit, Tenafly, Tinton Falls, Totowa, Trenton, Union, Ventnor, Vineland, Wallington, Wanaque, West New York, Westfield, Westwood, Woodbury, Woodland Park and all other NJ cities & New Jersey counties near me in The Garden State.

Also find NJ local small businesses by General Liability Class Code and learn about New Jersey small business insurance requirements for general liability, business property, commercial auto & workers compensation including NJ business insurance costs. Call us (609) 277-2744.