ProEdge Businessowners Policy

The Markets We Serve

NJM ProEdge Businessowners Policy (BOP) is available to businesses in Connecticut, Delaware, Maryland, New Jersey, and Pennsylvania.

How Choosing an Independent Agent Can Help Your Business

NJM partners with a select network of independent agents to meet the complex insurance needs of businesses. Learn more about the benefits of working with an independent agent.

The NJM Promise

Generations of policyholders have formed long-term relationships with NJM, trusting us to provide value-based insurance solutions with a superior customer experience.

Read our Value Proposition to learn more about our promise to business insurance policyholders.

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.

What 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:*

Business Property Coverage

Protects against covered loss to your business’s building, tools, and equipment.

Business Income Insurance

Protects against certain financial losses when you must suspend business operations due to a covered property loss.

Commercial 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.

ProEdge BOP FAQs

Customize Your Policy with These Optional Coverages

Cyber Suite

Designed to protect against a wide range of cyber risks, including expenses related to data compromise response, computer attacks, cyber extortion, and computer fraud.

Employment Practices Liability

Provides businesses with protection from claims alleging wrongful employment practices.

Equipment Breakdown and Technology

When equipment fails, this coverage can provide additional protection that business owners need, such as the cost of repairing damaged equipment or expenses associated with indirect losses.

Miscellaneous Professional Liability

Responds to an actual or alleged negligent act, error or omission, misstatement, or misleading statement that may result due to the performance of a professional service.

Contractor’s Protect

Provides coverage for losses unique to the needs of artisan contractors, including protection for additional insureds as required by contract, and commercial tools and small equipment used by the business.

Real Estate Protect

Provides coverage specific to the needs of a building owner who rents or leases space to others.

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 accidents and injuries. Fewer accidents and injuries benefit customers, workers, and business owners, and help control the cost of insurance.

Loss Prevention

NJM’s loss prevention initiatives 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.

Video Training Library

NJM policyholders can access online training videos 24/7.

Safety Materials

Request safety posters and brochures for your workplace.

Order Materials

Safety Presentations

NJM’s experienced professionals can conduct presentations to improve your employees’ safety awareness.

Request a Presentation

Safety Links

These trusted resources conduct industry-specific training, assistance, and research.

Learn More

Have Questions? We Have Answers!

Business insurance is sometimes complicated, but don’t worry. We’ve compiled answers to some popular questions:

What is the best business insurance for a small LLC?

Depending on the needs of your business, consider property and liability coverages, workers’ compensation, and business income insurance. Learn More

What is BOP insurance for a small business?

A businessowners policy typically includes general liability, business income, and property insurance, bundled under one insurance policy. Learn More

What is small business insurance?

Small business insurance is an insurance product designed to provide property and liability coverages to small commercial businesses. Learn More

Does business insurance cover independent contractors?

Liability coverage under a BOP may not automatically provide coverage for independent contractors. However, endorsements can provide the coverage a business needs to protect itself from its contractors’ liability. Learn More

What is commercial umbrella insurance?

Commercial excess and umbrella insurance provides an extra layer of coverage over a business’s underlying liability policies. Learn More

What does BOP cover for contractors?

A businessowners policy can be personalized to include coverage for small tools and equipment, plus endorsements for additional insureds and waiver of subrogation. Learn More

Why NJM?

A+ (Superior) rating by AM Best with a Financial Size Category of XV.

Superior customer service and seamless claims handling.

File a Claim

Online access to your business policy.

Learn More

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), and commercial excess and umbrella coverage. For more information on NJM’s business insurance products, contact your agent or find an agent.

* 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.