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Commercial Auto Insurance

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Protect Your Business Vehicles with NJM

NJM is a leading commercial auto insurance company in NJ, with a legacy of loss prevention and cost savings for the benefit of our customers — not stockholders — since our founding. We offer commercial auto insurance to businesses of all sizes — from a proprietor with one truck to a large company with a fleet of vehicles.

The Markets We Serve

NJM Commercial Auto Insurance is available to businesses in Delaware, Maryland, New Jersey, New York, 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.

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What Is Commercial Auto Insurance?

Commercial auto insurance can provide coverage for a company's liability arising from a motor vehicle accident, as well as the cost to repair or replace a damaged vehicle owned, maintained, or used by the company for business purposes.


Covers the business's liability if an employee causes an accident while working on behalf of the business.

Personal Loss

Can provide medical expense coverage and uninsured motorists coverage to individuals insured on the policy.

Property Loss

Covers the cost to repair or replace the vehicle (less depreciation), as well as the cost to rent a replacement auto so your business can continue operating.

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Commercial Auto Buyer's Guide

We've compiled a guide to help you research and apply for commercial auto insurance.

Download NJ Buyer's Guide

NJM Benefits

As an NJM policyholder, you have the benefit of working with full-time professionals dedicated to handling commercial auto issues. NJM's business lines and claims staff are experts dedicated to your needs. Claim reporting is available 24/7.

Roadside Assistance

NJM Roadside Assistance is an optional endorsement for private passenger vehicles and light and medium trucks. It's available 24/7, 365 days a year, wherever you are in the U.S. or Canada.

Vigilance Against Fraud

Through detection and investigation of fraudulent claims, NJM's Special Investigations Unit (SIU) has supported the payment of legitimate claims for more than 50 years.

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.

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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.


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?

Good Student Discount

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

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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 and commercial auto insurance and now writes commercial general liability, ProEdge Businessowners Policy (BOP), and commercial excess and umbrella insurance, too. For more information on NJM's business insurance products, contact your agent or call 1-800-232-6600.

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.