Commercial General Liability Eligibility by Industry

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. 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