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Protecting Your Employees From Injury or Illness

An on-the-job injury may involve more than just lost time for a worker. It can also include medical care expenses, prescriptions, and lost pay from work. Discover why NJM has been a leading workers' compensation insurance provider for more than 70 years.

Is Your Business Located in New York?

Connect with our select network of independent agents, or purchase a policy directly through NJM. Depending on your business's unique characteristics, you could benefit by using an agent to apply for NJM Business Insurance.

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Controlling Costs

We believe that superior customer service requires more than just handling claims. For more than 100 years, NJM has helped its customers control their workers' compensation costs.

Loss Prevention

NJM provides many resources to complement your business's safety efforts. Learn more.

Medical Utilization Department

Our in-house nurses and healthcare professionals provide managed care services. As a result, our average medical cost per claim in New Jersey is 41% below the State average. Learn more.

Vigilance Against Fraud

Through detection and investigation of fraudulent claims, NJM's Special Investigations Unit (SIU) has supported the payment of legitimate claims for more than 50 years. Learn more.


We've made dividend payments to our customers — not stockholders — every year since 1918. Learn more.

Safety First

Companies that diligently identify, correct, and prevent safety problems can reasonably expect fewer on-the-job injuries. Fewer injuries benefit both workers and employers and help control the cost of insurance.

Loss Prevention

NJM initially focused safety efforts on its policyholders' workplaces. While workplace safety remains a priority, NJM's initiatives have expanded over the years to emphasize safety in all aspects of business. As part of our commitment to safety, we offer customers tools to help complement their own loss prevention efforts. Learn more.

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Video Training Library

NJM policyholders can borrow from a library of training videos and DVDs, or access online training videos 24/7.

Loss Prevention

Safety Materials

Request safety posters and brochures for your workplace.


Safety Presentations

NJM's experienced professionals can conduct presentations to improve your employees' safety awareness.


Safety Links

These trusted resources conduct industry-specific training, assistance, and research.

NJM Precision Pay

NJM Precision Pay offers policyholders a "pay as-you-go" workers' compensation solution. The program enables businesses to pay their premiums based on actual payroll, rather than estimates. Learn more.

Workers' Compensation Claims

We provide a comprehensive and seamless approach to claims management along with quality, cost-effective medical treatment for injured workers.

Access Your Policy Online

As an NJM customer or agent, you can report a Workers' Compensation insurance claim online and view the history of the amount of medical and indemnity benefits paid by NJM, including costs for treatment. Learn more.

Managed Care Services

We offer a full complement of managed care services. Learn more or search for providers in your area.

No Out-of-Pocket Pharmacy Expenses

Our pharmacy benefit program covers the cost of prescriptions for employees with no out-of-pocket expense. The program is accepted by most major pharmacy chains. Learn more.

Support for Injured Workers

Are you an injured worker with questions about your benefits or enrolling in direct deposit? View our Frequently Asked Questions.

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 100 years.

Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. NJM is New Jersey's premier writer of workers' compensation insurance, a leading provider of commercial auto insurance, and now writes commercial general liability, ProEdge Businessowners Policy (BOP), and commercial excess and umbrella insurance, too. For more information on NJM's business insurance products, contact your agent or call 1-800-232-6600.

† Percentage savings based on the latest New Jersey Compensation Rating & Inspection Bureau data detailing statewide averages over a four-year period.

║ 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.

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.