Requires insurers offering commercial general liability insurance policies to provide notification of exclusion for communicable disease.

S 968 requires New Jersey insurers selling commercial general liability insurance to clearly notify businesses - before purchase or renewal - whether their policy excludes coverage for communicable disease outbreaks like COVID-19. If exclusions exist, insurers must state either the cost to remove them or where businesses can obtain coverage from another insurer. If insurers fail to provide this notice, the exclusion becomes invalid, and coverage automatically includes communicable disease transmission. This directly affects commercial insurers and businesses relying on this insurance for liability protection.