Questions Answered

Business Insurance FAQs for New Applicants

This page is for NJM Business Insurance only. For information about applying for personal insurance, see our FAQs for auto and homeowners insurance.

How can I start a quote for NJM Business Insurance?

To apply for NJM Business Insurance, find an agent or request a quote to be connected with an NJM Premier Agent.

How do I apply for commercial excess and umbrella insurance?

Commercial excess and umbrella insurance is available to customers with an NJM ProEdge Businessowners Policy or NJM ProPack Commercial Package Policy that has a minimum liability limit of $1 million.

You can apply for commercial excess and umbrella insurance when you apply for a ProEdge Businessowners Policy or ProPack Commercial Package Policy.

If you already have one of these policies, contact your agent for assistance.

Do I need an agent to get a quote for NJM Business Insurance?

NJM partners with a select network of independent agents to meet the complex insurance needs of businesses. Learn more about the benefits of working with an independent agent. Find an agent.

Do I need to find an agent to keep my existing NJM Business Insurance policies?

At this time, you do not need to use an agent to continue your existing NJM Business Insurance policies. However, if you want to apply for other NJM Insurance products, we may ask you to find an agent.

I already work with an agent. How do I know if my agent can write new business with NJM?

We recommend you contact your agent or search for an NJM Premier Agent in our Agent Directory.

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.