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Protect Your Business with NJM ProEdge
Whether your business relies on four walls or carefully crafted relationships, you need insurance coverage you can trust. With NJM Insurance, your small business can have access to the total insurance solution that will give you a competitive edge.
NJM has long been recognized as a leading provider of workers' compensation and commercial auto insurance. Now, you can round out your coverage with an NJM ProEdge Businessowners Policy — a suite of property and liability coverages tailored to your business's needs.
The Markets We Serve
NJM ProEdge Businessowners Policy (BOP) is available to businesses in Delaware, Maryland, New Jersey, and Pennsylvania.
Connect with our select network of independent agents, or purchase a policy directly through NJM. Depending on your business's unique characteristics, you could benefit by using an agent to apply for NJM Business Insurance.
Find an AgentWhat Is a Businessowners Policy?
A businessowners policy (BOP) combines protection for common property and liability risks that a small business owner faces.
With an NJM ProEdge Businessowners Policy, small businesses can save time and money by bundling multiple coverages under one insurance policy. A ProEdge BOP includes:*
Property Coverage
Protects against covered loss to your business property.
Business Income Insurance
Protects against certain financial losses when you must suspend business operations due to a covered property loss.
Liability Coverage
Protects against claims for bodily injury or property damage resulting from your business operations.
Industry-Specific Coverages
Optional coverage for specialized industries such as artisan contractors and real estate.
Customize Your Policy with These Optional Coverages
Tailored to Your Industry
NJM’s ProEdge Businessowners Policy addresses risks common to businesses in these industries:
Contractors
Professional Services
Real Estate
Restaurant and Food Services
Retail
Services
Wholesale Distributors
Safety First
Companies that diligently identify, correct, and prevent safety problems can reasonably expect fewer on-the-job injuries. Fewer injuries benefit both workers and employers and help control the cost of insurance.
Loss Prevention
NJM initially focused safety efforts on its policyholders' workplaces. While workplace safety remains a priority, NJM's initiatives have expanded over the years to emphasize safety in all aspects of business. As part of our commitment to safety, we offer customers tools to help complement their own loss prevention efforts. Learn more.
Safety Presentations
NJM's experienced professionals can conduct presentations to improve your employees' safety awareness.
Safety Links
These trusted resources conduct industry-specific training, assistance, and research.
Why NJM?
A+ (Superior) rating by AM Best with a Financial Size Category of XV
Superior customer service and seamless claims handling
Online access to your business policy
Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. NJM offers workers' compensation, commercial auto, ProPack Commercial Package Policy (CPP), ProEdge Businessowners Policy (BOP), commercial excess and umbrella coverage, and commercial general liability insurance. For more information on NJM's business insurance products, contact your agent or call 1-800-232-6600.
* Coverages vary by state and may not be available to all businesses.
The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.