Protect Your Business with NJM ProPack

Whether your business relies on four walls or carefully crafted relationships, you need insurance coverage you can trust. With NJM, your business can have access to the total insurance solution that will give you a competitive edge.

The Markets We Serve

NJM ProPack Commercial Package Policy (CPP) is available to businesses in Delaware, Maryland, New Jersey, and Pennsylvania.

Find an Agent

What Is a Commercial Package Policy?

CPP combines protection for common property and liability risks that a commercial business owner faces.

With an NJM ProPack CPP, businesses can save time and money by bundling multiple coverages under one insurance policy. A ProPack CPP includes:*

Building and Business Personal Property
Property Coverage

Protects against covered loss to your business property.

Truck
Inland Marine

Protects your products and materials from damage or cargo theft when in transport over land.

General Liability
Liability Coverage

Protects against claims for bodily injury or property damage resulting from your business operations.

Broken Lock
Crime Coverage

Provides coverage for financial losses due to business-related crimes, such as employee dishonesty, theft, forgery, and counterfeit payments.

Fire Icon
Business Income Insurance

Protects against certain financial losses when you must suspend business operations due to a covered property loss.

Shield with check mark
Industry-Specific Coverages

Optional coverage for specialized industries such as construction and manufacturing.

Enhanced to Meet Your Business Insurance Needs

Many factors can affect what you need from a business insurance policy. Enhance your CPP with these additional options.*

Property Plus or Property Elite

Additional protection with higher limits and expanded coverage for:

  • Accounts receivable
  • Business income and extra expense
  • Employee theft and more
General Liability Enhancement

Modifies the policy to expand your liability coverage with additional coverages, including:

  • Broad form named insured
  • Blanket waiver of subrogation
  • Per location aggregate limits
Construction General Liability Enhancement

Modifies the policy to meet the needs of contractors with additional coverages, including:

  • Primary and non-contributory blanket additional insured
  • Blanket waiver of subrogation
  • Per project aggregate limits
Manufacturing General Liability Enhancement

Modifies the policy to meet your manufacturing risk with additional coverages, including:

  • Product recall
  • Vendors
  • Manufacturer's errors and omissions

Tailored to Your Industry

NJM’s ProPack Commercial Package Policy addresses risks common to businesses in these industries:

Contractors
Contractors
Manufacturing
Manufacturers
Real Estate
Real Estate
Food Services
Restaurant and Food Services
Retail
Retail
Services
Services
Wholesale
Wholesale Distributors

Customize Your Policy with These Optional Coverages

Cyber Insurance

Designed to protect against a wide range of cyber risks, including expenses related to data compromise response, computer attacks, cyber extortion, and computer fraud.

Employment Practices Liability

Provides protection from claims alleging wrongful employment practices.

Equipment Breakdown

When equipment fails, this coverage can cover the cost of repairing damaged equipment or expenses associated with indirect losses.

Miscellaneous Professional Liability

Responds to an actual or alleged negligent act, error or omission, misstatement, or misleading statement that may occur by the performance of professional services.

Contractors Errors and Omissions

Provides liability coverage for damages and defense costs due to claims arising from the contractor's work.

Safety First

Companies that diligently identify, correct, and prevent safety problems can reasonably expect fewer on-the-job injuries. Fewer injuries benefit both workers and employers and help control the cost of insurance.

Loss Prevention

NJM initially focused safety efforts on its policyholders' workplaces. While workplace safety remains a priority, NJM's initiatives have expanded over the years to emphasize safety in all aspects of business. As part of our commitment to safety, we offer customers tools to help complement their own loss prevention efforts. Learn more.

Streaming Video
Video Training Library

NJM policyholders can access online training videos 24/7.

Loss Prevention
Safety Materials

Request safety posters and brochures for your workplace.

Presentation
Safety Presentations

NJM's experienced professionals can conduct presentations to improve your employees' safety awareness.

Safety
Safety Links

These trusted resources conduct industry-specific training, assistance, and research.

Why NJM?

Good Student Discount

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

Woman With Headset Icon

Superior customer service and seamless claims handling

Online Convenience

Online access to your business policy

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), commercial excess and umbrella coverage, and commercial general liability insurance. For more information on NJM's business insurance products, contact your agent or call 1-800-232-6600.

* Coverages vary by state and may not be available to all businesses.

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.