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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 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.

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. Learn more.

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:*

Building and Business Personal Property

Property Coverage

Protects against covered loss to your business property.

Business Income and Extra Expenses

Business Income Insurance

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

General Liability

Liability Coverage

Protects against claims for bodily injury or property damage resulting from your business operations.

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Industry-Specific Coverages

Optional coverage for specialized industries such as artisan contractors and real estate.

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 your business 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

Contractors

Professional Services

Professional Services

Real Estate

Real Estate

Food Services

Restaurant and Food Services

Retail

Retail

Services

Services

Wholesale

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.

Streaming Video

Video Training Library

NJM policyholders can borrow from a library of training videos and DVDs, or access online training videos 24/7.

Loss Prevention

Safety Materials

Request safety posters and brochures for your workplace.

Presentation

Safety Presentations

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

Safety

Safety Links

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

Why NJM?

Good Student Discount

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

Woman With Headset Icon

Superior customer service and seamless claims handling

Online Convenience

Online access to your business policy

Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. NJM is a leading provider of workers' compensation insurance and commercial auto insurance, and now writes commercial general liability, ProEdge Businessowners Policy (BOP), and commercial excess and umbrella coverage too. For more information on NJM's business insurance products, contact your broker 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.