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

The information and descriptions of coverage on this site are general in nature. 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.