Commercial Auto
Insurance Coverage
Cham Joun Insurance — New Jersey and New York Expert Custom Protection
Protect your business vehicles and drivers with the right coverage. We specialize in finding affordable, high-quality commercial policies tailored to your unique operations and specific industry needs.
Coverage Details
✔ Liability Coverage
Covers bodily injury and property damage.
✔ Roadside Help
Towing, battery jumps, lockout help, and flat tire assistance.
✔ Collision and Comprehensive Protection
Covers theft, fire, and accident damage.
✔ Medical
Covers driver and passenger medical costs.
✔ Uninsured Motorist
Protects against underinsured drivers.
✔ Hired & Non‑Owned Auto
Covers employee-owned or rented vehicles.
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Compliance & Professional Standards
Privacy Policy
We respect your privacy and protect your personal information in accordance with applicable U.S. federal and state laws. Your name, contact details, and any health-related information are used only to provide insurance consultations and enrollment support. We do not sell or share your information with third parties without your consent, except as required by law.
HIPAA Notice & Consent
Cham Joun Insurance Agency & Brokerage Corp follows the Health Insurance Portability and Accountability Act (HIPAA). By submitting this form, you acknowledge that certain health information may be used to provide insurance guidance and quotes. We use only the minimum necessary information and store it securely.
CMS Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) 24 hours a day / 7 days a week to get information on all of your options.
Auto Insurance Questions
What factors impact my auto insurance premiums
Rates depend on driving history, vehicle type, location, and coverage limits. Cham Joun Insurance experts identify various discounts you may qualify for to ensure you receive the most competitive price available.
How much liability coverage do I really need
The right liability limit depends on your assets and risk tolerance. To protect your business from major accidents, we recommend reviewing your finances with an expert to set high enough limits to stay fully secure.
What is the difference between Collision and Comprehensive coverage
Collision covers repairs if you hit a vehicle or object. Comprehensive covers non-collision events like theft, fire, or weather. For total vehicle protection, having both coverages is essential for business owners.
What steps should I take after an accident in NJ
Ensure safety, call the police, exchange info, and take photos. Then, contact our agency immediately. We will guide you through the claims process professionally to ensure a fast and efficient resolution for you.