Michael Alter

My previous experience as a business insurance broker allows me to better understand and meet the diverse and growing demands of business customers. NJM’s Business Lines department assists customers in New Jersey, Connecticut, Delaware, Maryland, New York, and Pennsylvania, along with commercial auto insurance fleet accounts in New Jersey. I'd be happy to talk to you about your business insurance needs.


Contact Information

301 Sullivan Way
West Trenton, NJ 08628
(609) 883-1300, ext. 2537


New Jersey Counties

  • Atlantic
  • Camden
  • Cape May
  • Cumberland
  • Gloucester
  • Salem

Pennsylvania Counties

  • Cumberland
  • Dauphin
  • Philadelphia
  • Lancaster
  • Lebanon
  • York

New York Counties

  • Suffolk

Connecticut Counties

  • All Counties

Delaware Counties

  • All Counties

Maryland Counties

  • All Counties

NJM Business Insurance

NJM is a trusted name in the insurance industry. Founded more than a century ago, we are the largest workers' compensation insurer in New Jersey. Our expertise in managing claims translates to savings and value to our policyholders. We are also one of the leading underwriters of commercial auto insurance in the state. 

workers' compensation

Workers' Compensation

You want a workers' compensation insurance carrier dedicated to controlling your costs while ensuring quality care for your injured employees. Find out why NJM has been the largest workers' compensation insurer in New Jersey since the 1940s.

We cover businesses such as:

  • Manufacturing firms
  • Electrical contractors
  • Builders
  • Hospitals, nursing homes and rehabilitation facilities
  • Plumbing and heating companies
  • Car dealers
  • Restaurants
  • Retail stores and supermarkets
  • Universities, public and private schools
  • Machine shops
  • Retail and wholesale operations
  • Professional office operations

Markets we serve:

commercial auto

Commercial Auto

When it comes to commercial auto insurance, you want a carrier that provides extraordinary value and attentive, quality customer care. Find out why NJM is one of the leading commercial auto insurers in New Jersey.

We cover businesses such as:

  • Manufacturing firms
  • Consulting firms
  • Law and accounting firms
  • Lawn care and landscaping companies
  • Electrical contractors
  • Construction companies
  • Retail stores and supermarkets
  • Plumbing and heating companies
  • Masonry and carpentry companies
  • Commercial and residential builders
  • Hospitals, nursing homes and rehabilitation facilities
  • Restaurants

… and more.

More information on:

Workers' Compensation

For more than a century, NJM has provided workers’ compensation to businesses throughout New Jersey. As an NJM workers’ compensation policyholder, you get all-inclusive coverage and value-added services. This includes highly specialized experts who handle all aspects of the claims process; credentialed loss prevention specialists who offer tailored programs; a medical management team that proactively administers care and cost; and in-house legal and special investigations teams to limit your liability, defend your interests and protect you from fraud.

Commercial Auto

We provide an opportunity for businesses of all sizes to receive quality commercial auto insurance — from a proprietor with one truck to large companies with a varied fleet of vehicles.

NJM Precision Pay℠

At no additional cost, you can pay your workers’ compensation premiums each pay period based on actual payroll, taking the guesswork out of the year-end audit.

Third Party Administrator (TPA)

Third-party administrator services are available to organizations that self-insure for workers' compensation through our wholly owned subsidiary, NJM Claims Management Services, LLC.


The core of our commitment has always been on safety and loss prevention. Our professionally credentialed loss prevention staff can recommend and conduct safety awareness training programs to help reduce the risk of injury.


We operate in a mutual fashion for the benefit of our policyholders. This has resulted in the payment of more than $6 billion to policyholders since 1918.


Workers’ compensation policy premiums are partially based on the extent of workplace injuries and accident claims, which means you can play a part in controlling your costs. We can work with you to help reduce the frequency and severity of claims.

Cost Controls

NJM’s experienced workers’ compensation professionals can help control your premium costs by providing you guidance on loss prevention, medical utilization, legal assistance and fraud prevention.

Online Claims

File your workers' compensation and commercial auto claims online, review and print claims reports, and view your history and benefits paid. Learn more

║ NJM shares positive financial results with its policyholders in the form of dividends. For this reason, the payment of a dividend is not guaranteed. Dividends are not paid on all policy forms or in every state in which NJM operates.