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Umbrella policies are available from NJM's wholly owned subsidiary, New Jersey Re-Insurance Company, to residents of New Jersey or Pennsylvania who have an NJM Auto and Homeowners policy and meet our membership and underwriting requirements.

Membership Eligibility Criteria

• Are currently employed by a member organization of the New Jersey Business & Industry Association; or
• Are currently employed by the State of New Jersey; or
• Are or have been the named insured or resident spouse on an NJM Personal Auto or Homeowners insurance policy; or
• Are or have been an insured operator under an NJM Personal Auto insurance policy.