Commercial Excess and Umbrella Coverage

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Protect Your Business from the Unexpected with NJM

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

Who Is Eligible to Apply?

Commercial Excess and Umbrella coverage is available to Connecticut, Delaware, Maryland, New Jersey, and Pennsylvania customers. Eligible businesses must have an NJM ProEdge Businessowners Policy (BOP), or NJM ProPack Commercial Package Policy (CPP).*

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.

Excess coverage responds if you exceed the limits of your underlying liability coverage. This increased protection follows three types of liability coverage:

Auto Liability
General Liability
General Liability
Employer Liability

Umbrella coverage offers higher limits of liability protection and expands coverage for international operations and newly acquired businesses.

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.

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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 offers workers’ compensation, commercial auto, ProPack Commercial Package Policy (CPP), ProEdge Businessowners Policy (BOP), and commercial excess and umbrella coverage. For more information on NJM’s business insurance products, contact your agent or call 1-800-232-6600.

* Available only to NJM ProPack or ProEdge policyholders, subject to underwriting approval and underlying coverage requirements.

The information contained on this page should not be construed as legal, financial or insurance advice. 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.