Commercial General Liability Insurance

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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.

CGL is commonly written under NJM ProEdge Businessowners Policy for small businesses and NJM ProPack Commercial Package Policy for mid- and large-sized businesses.

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.

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What Does CGL Cover?

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

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Bodily Injury

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

Personal Injury
Personal/Advertising Injury

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

Damaged Property
Property Damage

Coverage that responds to claims of property damage, including loss of use.

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

FAQs

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.

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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.

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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 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.

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Video Training Library

NJM policyholders can access online training videos 24/7.

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Safety Materials

Request safety posters and brochures for your workplace.

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Safety Presentations

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

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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.

Safety

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), and commercial excess and umbrella coverage. 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.