Insurance Products for Small Brick and Mortar Businesses

For Businesses with…

One Building
Zero to Five Vehicles
Seven or Less Employees

These companies own or rent one physical location. No vehicles are used, or employees use one to five company-owned, leased, or rented vehicles to conduct business or travel to job sites.

We Offer…

Why NJM?

Good Student Discount

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

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Superior customer service and seamless claims handling.


An enduring commitment to safety that can be traced back over 100 years.

Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. For more information on NJM’s business insurance products, contact your agent or call 1-800-232-6600.

The information contained on this page should not be construed as legal, financial or insurance advice, and is not a guarantee of coverage. In the event of a loss or claim, coverage decisions will be subject to your applicable policy language.