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The Markets We Serve
NJM Commercial Auto Insurance is available to businesses in Connecticut, Delaware, Maryland, New Jersey, New York, 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.
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.
Liability
Can provide coverage to a business when 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.
Commercial Auto Buyer’s Guide
We’ve compiled a guide to help you research and apply for commercial auto insurance.
NJM Benefits
NJM provides commercial auto insurance throughout the mid-Atlantic region, with a legacy of loss prevention and cost savings for the benefit of our customers — not stockholders. 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.
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.
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.
Have Questions? We Have Answers!
Insurance is sometimes complicated, but no worries. Here are answers to some questions we commonly receive:
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), and commercial excess and umbrella coverage. For more information on NJM’s business insurance products, contact your agent or find an agent.
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.