Protect Your Business from the Unexpected with NJM

New Jersey business owners have trusted NJM to provide commercial auto and workers' compensation insurance for more than 100 years. Receive the same high level of service with commercial general liability (CGL) coverage. CGL insurance protects your business from claims arising from your operations or sale of products.

The Markets We Serve

NJM Commercial General Liability Insurance is available in Delaware, Maryland, New Jersey, and Pennsylvania.

Connect with our 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.

Find an Agent

What Does CGL Cover?

NJM's CGL insurance includes two types of liability coverage:

Injured Person Icon

Bodily Injury

Coverage that responds to claims of bodily injury, sickness, or disease, including death.

Personal Injury

Personal Injury

Coverage for claims involving false arrest, libel and slander, wrongful eviction of others, invasion of privacy, copyright infringement, trademark infringement, and malicious prosecution.

CGL insurance does not cover damage to your property, premises you own, or injuries to your employees.


What Types of Businesses Are Eligible?

NJM's CGL policy addresses risks common to businesses in your industry.

  • Most Artisan Contractors
  • Professional Services
  • Real Estate
  • Restaurant
  • Retail
  • Service
  • Wholesale/Distributors

NJM Benefits

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

Shield with check mark

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.

Online Convenience

Online Access to Your Business Policy

View documents and make payments online. Learn more.

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 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.

Woman With Headset Icon

Superior customer service and seamless claims handling.


An enduring commitment to safety that can be traced back over 100 years.

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), commercial excess and umbrella coverage, and commercial general liability insurance. 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.