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 account 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.
NJM ProEdge Businessowners Policy (BOP) is available to businesses in New Jersey.
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. Learn more.
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:*
Protects against covered loss to your business property.
Protects against certain financial losses when you must suspend business operations due to a covered property loss.
Protects against claims for bodily injury or property damage resulting from your business operations.
Optional coverage for specialized industries such as artisan contractors and real estate.
NJM’s ProEdge Businessowners Policy addresses risks common to businesses in these industries:
Superior customer service and seamless claims handling
Online access to your business policy
An enduring commitment to safety that can be traced back 100 years
Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. NJM is New Jersey's premier writer of workers' compensation insurance, is among the leaders in commercial auto insurance, and now writes commercial excess and umbrella coverage. For more information on NJM's business insurance products, contact your broker or call 1-800-232-6600.
The information and descriptions of coverage on this site are general in nature. 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.