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

New Jersey's S 539 requires insurers selling commercial general liability insurance to clearly disclose whether policies cover liability from communicable disease transmission (including COVID-19). Businesses purchasing or renewing such policies must receive a prominent notice stating if coverage excludes disease transmission, including the cost to remove the exclusion or an alternative insurer option. If insurers fail to provide this notice, any exclusion for disease coverage becomes invalid, and the policy automatically covers such claims. The bill directly affects businesses relying on commercial insurance and insurers offering these policies, taking effect 30 days after enactment.