Showing ordinances that apply to Ramapo College of New Jersey, NJ
Ramapo College of New Jersey is an unincorporated community (population 2,200) in Bergen County, New Jersey. Because Ramapo College of New Jersey is not an incorporated city, it does not have its own municipal code. Instead, Bergen County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
Bergen County short-term rental hosts should carry commercial liability insurance as standard homeowner policies exclude commercial rental activity under NJ insurance law. Fort Lee and Hackensack require proof of $500,000-$1 million liability insurance at permit renewal. Airbnb Host Protection Insurance and VRBO Liability Insurance typically do not satisfy municipal requirements.
Bergen County short-term rental insurance requirements vary by municipality, but NJ insurance law presents universal challenges for hosts. New Jersey homeowner insurance policies, regulated under N.J.S.A. 17:36 and NJDOBI rules, typically exclude commercial business activity on the premises, which includes short-term rentals. Standard ISO HO-3 policies require business pursuits endorsements or commercial policies to cover STR activity. Municipal requirements: Fort Lee Ordinance 2018-05 requires $1,000,000 liability insurance with the municipality named as additional insured; proof required at annual registration renewal. Hackensack Code §165-8 requires minimum $500,000 liability coverage at registration. Edgewater Code §340-25 requires $500,000 minimum commercial STR policy. Englewood Code §14-17 recommends but does not mandate specific coverage amounts. Platform-provided insurance — Airbnb Host Protection Insurance ($1M primary liability for stays booked through Airbnb) and VRBO Liability Insurance ($1M commercial general liability) — technically provide coverage but typically do not satisfy municipal requirements for proof of independent insurance because they only cover incidents during specific bookings, not continuous coverage. The NJ Department of Banking and Insurance (NJDOBI) has not issued STR-specific guidance, leaving coverage determinations to insurers. Popular commercial STR insurance carriers for Bergen County: Proper Insurance, CBIZ Insurance Services, Liberty Mutual's Short-Term Rental Insurance. Workers compensation may be required if hosts employ cleaners, handymen, or property managers under N.J.S.A. 34:15-79. Tort liability under NJ's modified comparative negligence rules (N.J.S.A. 2A:15-5.1) can result in substantial judgments.
Operating without required insurance in Fort Lee: permit denial or revocation plus fines up to $2,000. Hackensack non-compliance: $500-$1,250 per offense plus permit suspension. Operating without insurance and claim occurs: host personally liable for all damages under NJ tort law; potential bankruptcy risk. Failing to disclose STR use to homeowner insurer: policy cancellation and possible fraud claim under N.J.S.A. 17:33A.
See how Ramapo College of New Jersey's insurance requirements rules stack up against other locations.
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