New Jersey Manufacturers Insurance Company (NJM) operates in a mutual fashion for the exclusive benefit of policyholders. NJM is cost-effective and conservative – staff is paid by salary with no commissions, and the Company does not advertise broadly to help earn profits for stockholders.

Instead, the financial benefits of Company operations go only to policyholders. Rates are competitive, and dividends have been returned to policyholders each year after the Company sets aside the funds needed to cover claims, operate efficiently, and maintain a prudent surplus for the protection of policyholders.

More than $4.5 billion has been paid to policyholders as dividends since 1918.

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