Monroe Township (Gloucester County), NJ Short-Term Rentals: Insurance Requirements (2026)

Section 162-31 was added on 3-27-2023 by Ord. No. O:10-2023. Subsection A states its purpose: to establish a business insurance registration system within the Township to comply with N.J.S.A. 40A:10A-1 et seq.

The coverage floor is set in subsection B. The owner of a business or of a rental unit or units must maintain liability insurance for negligent acts and omissions of no less than $500,000 for combined property damage and bodily injury to or death of one or more persons in any one accident or occurrence. Subsection B(2) sets a lower floor, no less than $300,000 on the same combined basis, for the owner of a multifamily home of four or fewer units, one of which is owner-occupied.

Subsection C turns the coverage into a filing duty. The owner of a business, the owner of a rental unit or units, and the owner of a multifamily home of four or fewer units, one of which is owner-occupied, must annually register the certificate of insurance with the Township of Monroe. Section 162-3 defines registration as the registration issued by the Township Clerk or the Clerk's designee.

The section speaks of rental unit owners and business owners and has no separate tier for short stays. It sits beside § 162-27, which makes rentals of less than 28 days unlawful for consideration, so the owners who register insurance are the owners of the longer rentals that § 162-27B(2) leaves lawful. Section 162-32 excludes campgrounds, as defined in § 162-3, from enforcement of Chapter 162.