Commercial General Liability Eligibility by Industry
Available in New Jersey and Pennsylvania
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. We invite you to apply for a CGL quote if your business falls into one of the following industries:
Contractors
- Appliance and Accessory Contractors – Residential and Commercial
- Carpentry Contractors – Interior
- Carpet and Upholstery Cleaning Contractors
- Concrete Contractors
- Driveway, Parking and Sidewalk Paving Contractors
- Electrical Contractors
- Fence Erection Contractors
- Flooring Contractors
- Heating and Air Conditioning Contractors
- House Furnishings Installation Contractors
- Interior Decorator Contractors
- Janitorial Contractors — Residential or Commercial
- Landscaping Contractors
Herbicide/Pesticide operations are included only if license to apply is not required. - Lawn Sprinkler Contractors
- Locksmith Servicing Contractors
- Masonry and Stone Contractors
- Metal Work — Decorative — Contractors
- Painting and Paper Hanging Contractors — Interior
- Paper Hanging Contractors
- Plumbing Contractors — Residential and Commercial
- Refrigeration Systems Contractors — Commercial
- Sign Painting Contractors — Interior
- Tile and Stone Contractors — Interior
Professional Services
- Accounting Services Offices
- Advertising and Related Services Offices
- Bookkeeping Services Offices
- Dental Laboratories
- Engineer's or Architect's Offices
Not engaged in actual construction operations. - Insurance Agency Offices
- Lawyer's Offices
- Payroll Servicing Offices
- Real Estate Agency Offices
- Title Agency Offices
- Veterinarian's Offices
Real Estate
- Apartment Buildings
Less than 4 families — with mercantile or office occupancies. - Apartment Buildings
More than 4 families — with mercantile or office occupancies. - Condominium Associations
Commercial Occupancies - Condominium Associations
Office Occupancies - Condominium Associations
Residential - Townhouse Associations
More than 4 families with or without mercantile or office occupancies.
Restaurant
- Delis and Delicatessens
Primarily retail sales. - Limited Cooking — Cafés, Ice Cream, Yogurt, Pizzerias, and Salad Bars — No Alcohol — No Table Service — With or Without Seating
Includes pay before you eat, quick service and take-out businesses. - Limited Cooking — Coffee Shops and Delis — No Alcohol — No Table Service — With or Without Seating
Includes pay before you eat, quick service and take-out businesses.
Retail
- Air Conditioning Equipment Stores
- Appliance Stores
Includes household appliances (i.e. washers, dryers, dishwashers, microwaves, etc.). Includes office appliances (i.e. copiers, etc.). - Army and Navy Stores
- Auto Parts and Supplies Stores
Includes new tire sales up to 25%. - Bakeries
Includes baking on premises. - Book and Magazine Stores
- Camera and Photography Equipment and Supplies Stores
- Candy or Confectionery Stores
Includes chocolate and non-chocolate products. Includes manufacturing on premises. - Catalog or Premium Coupon Redemption Stores
- Ceramics Stores
- Clothing Stores
Includes men's, women's, girl's, and boy's clothing and shoes. - Clothing Stores — Accessories
Includes men's and boys' furnishings and haberdashery. Includes women's and girls' undergarments, hosiery, lingerie, and specialty items. - Computer and Electronics Stores
- Cosmetic, Hair or Skin Preparation
- Dairy Products
Includes butter, eggs, and ice cream. - Department Stores
- Fabric Stores
- Electric Lighting Stores
- Fence Dealers
- Floor Covering Stores
Includes carpet, rug, vinyl, laminates, wood, and tile types. - Florists
- Gift Shop
- Glass Dealer
- Grocery Stores — No Gasoline Sales
- Hardware and Home Improvement Stores
- Hearing Aid Stores
If audiologist or Hearing Pathologists on staff, see Professional Services — Medical Offices. - Hobby and Craft Stores
- Home Furnishing Stores
- Jewelry Stores
Includes fine, precious, and costume jewelry. Repair operations are included. - Luggage Stores
- Mailing or Addressing Companies
Includes direct mailing or mailing list compiling services. - Marble Product Stores
Meat, Fish, Poultry, or Seafood Stores - Music Stores
Includes new pre-recorded materials, sheet music, and related supplies. Includes instruments for sales, rental, or repair. - Optical Goods Stores
If Ophthalmologist, Optometrist, or Opticians on staff, see Professional Services — Medical Offices. - Painting, Wallpaper or Wallcovering Stores
- Pet Stores
- Picture, Painting or Frame Stores
- Plumbing Supplies Stores
- Stationery Stores
- Toy Stores
- Trophy Stores
- Video Stores
Includes sales and rental operations.
Service
- Beauty, Barber, and Nail Salons
Professional Liability required and available. Includes hair cutting, styling, blow drying, dying, permanent waves/straightening, make-up, manicures, pedicures, and other related services. - Copying and Duplicating Stores
- Engraving Services
- Funeral Homes
Professional Liability required and available. - Interior Decorator Offices
- Packing and Preparing Goods for Shipping
- Photoengraving Services
- Photographers
Includes studio operations for individuals or groups. - Printers
Professional Liability required and available. - Printing and Bookbinding Supplies
- Shoe Repair Services
Includes repair without specializing in an individual gender or age group. - Tailoring Services
Includes alterations to garments made by others. - Ticket Agency Offices
Includes sales of tickets to customers for various theatrical and non-theatrical events.
Wholesale/Distributor
- Auto Parts and Supplies Distributors
Includes new tire sales up to 25%. - Barber or Beauty Shop Supplies Distributors
- Equipment, Fixtures, and Supplies Distributors
Includes office and store equipment. - Fabric Distributors
- Floor Covering Distributors
Includes carpet, rug, vinyl, laminates, wood, and tile types. - Florist Distributors
- Hardware Distributors
- Hearing Aid Distributors
- Heating and Air Conditioning Equipment — Distributors
- Hobby and Craft Distributors
- Jewelry Distributors
Includes fine, precious, and costume jewelry. - Optical Goods Distributors
- Plumbing Supplies Distributors
- Refrigeration Equipment Distributors — Commercial