Commercial Excess and Umbrella Coverage

Get a Quote

You must have an NJM ProEdge Businessowners Policy to apply for a Commercial Excess and Umbrella policy.

I am an NJM ProEdge Businessowners Policyholder.

Or call 1-800-232-6600 for a quote.

Protect Your Business from the Unexpected with NJM

A large property damage or injury claim can put your small business in jeopardy. Additional liability coverage can help your business stay in business.

The Markets We Serve

Commercial Excess and Umbrella coverage is available to New Jersey customers who have an NJM ProEdge Businessowners Policy (BOP).*

What Does Commercial Excess and Umbrella Insurance Cover?

Commercial Excess and Umbrella insurance provides the extra layer of coverage your business needs when the unexpected strikes. It combines commercial excess liability and limited umbrella drop down coverage to form a single policy. This means your limits are higher and you have added protection against some claims that may not be covered by your NJM ProEdge Businessowners Policy.

The extra coverages provided can include:

Higher Limits

Higher Limits

Covers the business's liability if an employee causes an accident while working.

Shield with check mark

Additional Protection

Provides coverage for newly acquired/formed organizations.

Why NJM?

Good Student Discount

A+ (Superior) rating by AM Best with a Financial Size Category of XV.

Online Convenience

Online access to your business policy.

Learn More


An enduring commitment to safety that can be traced back 100 years.

Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. NJM is among the leading writers of workers' compensation insurance and commercial auto insurance in the Mid-Atlantic Region. For more information on NJM's business insurance products, contact your broker or call 1-800-232-6600.

* To be eligible for an NJM Commercial Excess and Umbrella policy, your business must have an NJM ProEdge Businessowners Policy. You must also maintain commercial auto insurance with a combined single limit of $1 million through NJM or a carrier that has an AM Best Financial Size 7 or higher and an AM Best Financial Strength of A- or better.

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.