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.

To apply for NJM Business Insurance, visit the workers’ compensation, commercial auto, ProPack Commercial Package Policy (CPP), ProEdge Businessowners Policy (BOP) or commercial excess and umbrella coverage page and select “Get a Quote.“ We may ask you to find an agent if your business meets certain characteristics.

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, log in and look for the Get a Quote button, or contact your agent for assistance.

NJM works with a select network of independent agents to meet the complex insurance needs of businesses. We encourage certain businesses to work with an agent to ensure all their needs are met.

Business owners interested in getting a quote for NJM ProPack Commercial Package Policy must use an agent.

Learn about the benefits of using an independent agent or find an agent.

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

If you are an existing NJM policyholder with access to Manage Your Policy, log in and select “Get a Quote.” You can retrieve your quote from the next screen.

If you are new to NJM, you can retrieve a quote by visiting commercial auto or ProEdge Businessowners Policy and selecting “Continue with a Saved Quote.” You’ll need your reference number and some other information you provided when you started your quote, like your ZIP Code and phone number.

Businesses that work with an agent cannot retrieve a quote that an agent started. Speak with your agent to continue a quote.

We recommend you contact your agent. If you need more information, contact your NJM Account Representative.

If your business has less than eight employees, you can get a quote online for commercial auto, ProEdge Businessowners Policy, or commercial excess and umbrella insurance. To apply for workers' compensation or commercial general liability insurance, call 1-800-232-6600, ext. 8352, or fill out this form.

If your business has eight or more employees and you want to apply for new NJM Business Insurance products, we ask that you work with an agent, who can help to meet the complex insurance needs of your business, at no cost to you. Find an agent.

If you previously used an agent to apply for NJM Business Insurance, contact your agent to apply for a new quote.

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.