Business Owners & Rental Unit Owners Required to File Certificate of Liability Insurance with Borough Clerk

The New Jersey Legislature enacted N.J.S.A. 40:A:10A-1, et seq. which requires business owners and owners of rental units to annually file with the Borough Clerk a certificate of insurance showing liability insurance coverage in the following amounts (review specific requirements highlighted in the law):
  • $500,000 for the owner of a business or the owner of a rental unit or units; or
  • $300,000 for the owner of a multifamily home which is four or fewer units, one of which is owner-occupied.
To comply with the law, business owners and rental unit owners must file a Business Owners and Rental Unit Owners Registration Form and the required certificate of insurance annually with the Borough Clerk through the Borough’s online SDL Portal. Please visit to create an account and complete your submission.
  1. Click Sign Up to create an account.
  2. In the Primary Town field, enter the first few letters of Franklin Lakes Borough, then click Find and select it from the list.
  3. Click Create Account.
  4. Click the verification link in the email sent to the email address you provided.
  5. While signed into your account, click Requests from the top left of the menu bar.
  6. Select Business Owners & Rental Unit Owners Insurance Registration, click View Form, and complete.
  7. Click Select Files to attach compliant certificate of insurance.
  8. Sign and click Accept.
  9. Click Submit Form to complete.
  10. Watch email for status of submission from “SDL Portal <>”.

Questions may be directed to the Borough Clerk’s office at 201-891-4000 x1200 or by email to