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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, visit the workers' compensation, commercial auto, commercial general liability, ProEdge Businessowners Policy (BOP), or commercial excess and umbrella page and select "Get a Quote." We may ask you to find an agent if your business meets certain characteristics.

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 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.

If you already have a ProEdge Businessowners Policy, log in and look for the Get a Quote button, or contact your agent for assistance.

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

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. Learn about the benefits of using an independent agent or 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 have eight or more employees and want to apply for other NJM Insurance products, we may ask you to find an agent.

How can I retrieve my online business insurance quote?

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.

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

I'm already an NJM policyholder. Can I get a quote for another NJM product?

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.