Protecting Your Business from Accidents and Claims

Commercial General Liability Insurance

Available to Businesses in New Jersey

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

What Does CGL Cover?

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

Bodily Injury - Coverage for causing bodily injury, sickness, or disease, including death.

Property Damage - Coverage for damage to your client's property or to a premises you rent.

Personal Injury - Coverage for damages and personal harm resulting from:

  • false arrest
  • libel and slander
  • wrongful eviction of others
  • invasion of privacy
  • copyright infringement
  • trademark infringement
  • malicious prosecution

Medical Payments - Coverage for medical expenses resulting from accidents that occur on your business premises or because of your operations.

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

What Types of Businesses Are Eligible?

We invite you to apply for a quote if your business falls into one of the following categories:

  • Barber Shops
  • Beauty Salons
  • Carpentry Contractors (interior finish)
  • Electrical Contractors
  • Floor Covering Installation (no ceramic tile or stone)
  • Heating and Air Conditioning Contractors
  • Janitorial/Building Cleaning and Maintenance (interior only)
  • Masonry Contractors
  • Nail Salons
  • Painting and Paper Hanging Contractors (interior only)
  • Plumbing Contractors (residential)

Why NJM?

NJM is a leading commercial insurance company in the Mid-Atlantic region, with a focus on loss prevention and cost savings to customers — not stockholders. We are backed by a financial strength rating of A+ (Superior) by A.M. Best Company, the nation's premier financial services credit rating agency.