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Annual liability insurance registration

Business and Insurance Registry

Owners of businesses, rental units and qualifying owner-occupied multifamily homes in Saddle River must register proof of required liability insurance with the Borough each year. Chapter 89 implements N.J.S.A. 40A:10A-1 et seq.

  • Annual deadline January 31
  • Administrative fee $50
  • Filing office Borough Clerk

Who must register

Covered owners and minimum coverage

Register each calendar year if you own one of the following in Saddle River:

  • A business
  • One or more residential or nonresidential rental units
  • An owner-occupied two-family, three-family or four-family home
  • Business or rental unit owner

    $500,000 minimum

    Liability coverage

    Applies to an owner of a business or one or more rental units.

  • Qualifying owner-occupied multifamily home

    $300,000 minimum

    Liability coverage

    Applies to an owner-occupied home containing two, three or four units.

Coverage requirement: The liability insurance must cover negligent acts and omissions for combined property damage and bodily injury to or death of one or more persons in any one accident or occurrence.

If you are unsure whether this registration applies to your property or ownership arrangement, contact the Clerk's Office before filing. Ask your insurer or insurance professional whether a policy meets the applicable coverage requirement.

How to register

Complete the annual filing

Submit one complete registration package to the Borough Clerk. Contact the Clerk if you need to confirm current delivery or payment arrangements.

Registration checklist

  1. Complete the Borough form Use the current Business Insurance Registration Form linked above.
  2. Attach the certificate of insurance Include a certificate issued by the owner's insurance company that demonstrates the required coverage.
  3. Include the $50 fee Chapter 89 establishes a $50 administrative fee for the registration.
  4. File with the Municipal Clerk Submit the completed form, certificate of insurance and fee together.

When to file

Annual registrations are due by January 31 each calendar year.

A registration is due within 30 days of registering the business or obtaining ownership of the rental units.

Certificate and penalties

After the registration is complete

After the requirements of § 89-3 are satisfied, the Municipal Clerk issues a certificate of registration. It serves as proof of compliance with Chapter 89 and is valid for the calendar year in which it is issued.

Noncompliance and penalties under Chapter 89

  • First offense $500
  • Second offense $1,000
  • Third or later offense $2,000

Under § 89-5, these penalties apply to an owner who does not maintain the required insurance or file the annual registration. Each year of noncompliance is a separate offense.

Questions and filing office

Borough Clerk

Cindy Kirkpatrick, RMC

Municipal Building
100 East Allendale Road
Saddle River, NJ 07458

Phone: 201-327-2609, extension 226
Email: ckirkpatrick@saddleriver.gov
Office hours: Monday through Friday, 8:30 a.m. to 4:00 p.m., excluding Borough holidays and emergency closures

Official references

Forms and legal authority

Use the current Borough form and official law when preparing the registration.