[HISTORY: Adopted by the Township Committee of the Township of Montague 12-13-2022 by Ord. No. 2022-20. Amendments noted where applicable.]
A. 
The owner of a business or the owner of a rental unit or units, other than a multifamily home as set forth in this chapter below, shall be required to maintain liability insurance for all negligent acts and omissions in an amount 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.
B. 
The owner of a multifamily home which is four or fewer units, one of which is owner-occupied, shall maintain liability insurance for negligent acts and omissions in an amount of no less than $300,000 for combined property damage and bodily injury to or death of one or more persons in any one accident or occurrence.
A. 
Any owner of a business or rental unit(s) required to maintain insurance as set forth in § 64-1 above is required to register the certificate of such insurance coverage with the Township Construction Official, as follows:
(1) 
Within 30 days of the date this chapter takes effect.
(2) 
Within 30 days of the date of establishment of said business or rental unit(s) within the Township.
(3) 
On or before January 15 or each year following enactment of this chapter.
B. 
A new certificate will be required annually for each calendar year. All certificates shall be renewed no later than January 15 of each year. It shall be the responsibility of any owner conducting, operating, or engaging in any business covered by this requirement to obtain and register their certificate of insurance coverage with the Township Construction Official.
The following words and phrases, when used in this chapter, shall have the meanings ascribed to them in this section, except where the context clearly indicates a different meaning:
BUSINESS
Any person offering and/or engaged in buying, selling, storing, and/or transferring merchandise, goods, real property, personal property, moneys, services and/or other items who do so for a fee, price, retainer, commission, percentage, and/or other means of compensation for the purpose, stated or otherwise, of realizing a profit or other gain.
CERTIFICATE OF INSURANCE
The certificate of insurance form.
MUNICIPAL INSURANCE REGISTRATION CERTIFICATE
The certificate issued by the Township Construction Official, indicating compliance with the registration requirement.
MUNICIPAL INSURANCE REGISTRATION FORM
The registration form to be filed with the Township Construction Official.
MUNICIPALITY
The Township of Montague.
A. 
Any business owner, rental until owner, or owner of a multifamily home that contains four or fewer units, one of which is owner occupied, located within the Township shall file a completed municipal insurance registration form and certificate of insurance with the Township Construction Official and shall pay the required fee.
B. 
The municipal insurance registration form shall contain the following information for each owner applying for a certificate:
(1) 
The name of the owner.
(2) 
The nature of and address of the business, rental unit(s) or multifamily home(s).
(3) 
The business address of the owner.
(4) 
The home address of the owner.
(5) 
The business telephone number of the owner.
(6) 
The home telephone number and/or cell number of the owner.
(7) 
The trade name or other business identification titles used by the owner.
C. 
The Township Construction Official shall issue a municipal insurance registration certificate to any owner who files a completed municipal insurance registration form with certificate of insurance demonstrating the required coverage, and pays the required fee.
D. 
A copy of the completed municipal insurance registration form shall be returned to the registrant with an acknowledgment by the Township Construction Official that it has been properly filed.
A. 
In the event that two or more businesses occupy the same location, the owner shall be required to complete a separate municipal insurance registration form and obtain a separate certificate for each such business.
B. 
In the event that the same owner conducts businesses at two or more locations, a separate business registration form and certificate shall be required for each location.
Every owner having a municipal insurance registration certificate for a business or rental unit or multifamily home of four or few units, one of which is owner occupied, that ceases to operate, changes the principal activity in which it is engaged, changes its location and/or locations in the municipality, moves out of the municipality or changes owners and/or managers, must submit written notice to the Township Construction Official within 30 days of such change. In the event of cessation of business or moving out of the municipality, the person having a certificate for a business must provide the name, address, and home telephone number of the person or principal officer of the business to the Township Construction Official within 30 days of such event.
Issuance of a municipal insurance registration certificate by the municipality does not evidence compliance with other applicable rules, regulations, ordinances, and statutes of the municipality, county, and State of New Jersey, or other regulatory agencies having jurisdiction over the activities of the certificate holder.
The annual fee for registration of the certificate of insurance pursuant to this chapter shall be $25, due at the time the certificate of insurance is to be registered with Township Construction Official.