N.J.A.C. 17:30-9.15(d) says a cannabis business shall maintain current hired and non-owned automobile liability insurance sufficient to insure all delivery vehicles in the amount of at least $1,000,000 per occurrence or accident.
A certificate is a point-in-time document
Uploading an insurance certificate during onboarding is not the same thing as managing an expiring credential. The document can remain in a folder long after its coverage period changes.
Operational readiness should convert the certificate into a tracked status with an expiration date, review history, and clear visibility for the people authorizing transport.
Insurance belongs next to vehicle readiness
Because the rule ties the coverage requirement to delivery vehicles, insurance evidence should not live as an isolated administrative artifact. It should be part of the same readiness model used for the vehicles that may be assigned to runs.
Flower Freight’s compliance workflow is designed to surface current credential status before transport operations depend on it.
Alert before the problem becomes a stop-work event
An expiration discovered on the morning of a shipment creates a bad choice: delay the run or take an avoidable compliance risk. Neither is a good operating process.
Credential reminders at meaningful intervals give the operation time to renew, upload, and review documentation without turning transport day into document day.
Keep historical context
For an old run, the relevant question is not only whether the business is insured today. It is whether the operation can show what it had on file when that transport occurred.
A mature audit record preserves enough historical context to explain why the vehicle was considered ready at the time.
Frequently asked questions
How much auto liability coverage does the NJ rule require?
N.J.A.C. 17:30-9.15(d) states at least $1,000,000 per occurrence or accident for current hired and non-owned automobile liability insurance sufficient to insure all delivery vehicles.
Should insurance be checked on every run?
The rule requires current coverage. Operationally, using expiration tracking and readiness gates helps prevent an expired document from being treated as current.
Does Flower Freight sell insurance?
No. Flower Freight is transport compliance and operations software; it can help track supporting credential evidence.
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