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NJM Personal Lines Insurance

We are delighted to partner with your organization to provide personal auto, homeowners, condo, renters, and umbrella insurance at competitive rates. Watch this short video to learn all about NJM's personal lines insurance products.

More than 100 Years of Earning Trust

Insurance is our business. Service is our passion. That's what sets us apart in an industry where the most important job is to be there for people when they need help the most. Leading, independent consumer publications repeatedly recognize our commitment to customer and claims satisfaction. At our core, we're simply people devoted to helping people.

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In 2021, NJM ranked #1 in Customer Satisfaction among Auto Insurers in the Mid-Atlantic Region by J.D. Power.

In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get a quote today and learn what makes us great insurance.

Here's what our customers say about us:

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NJM Milestones

1913 - New Jersey Manufacturers Casualty Insurance Company is founded to fulfill President Woodrow Wilson's campaign pledge to provide injured workers with medical care and partial wage replacement. NJM is established to provide workers' compensation to New Jersey's growing business community.

1921 - NJM forms a subsidiary to provide commercial and personal auto insurance, and homeowners coverage, thereby expanding services to the employees of its commercial customers.

1940s - NJM becomes the leader in workers' compensation insurance in New Jersey. The innovations of its Engineering Department help customers reduce and avoid accidents in workplaces that would lead to higher premiums.

1960s - Fraud leads to higher premiums and, at times, the loss of honest workers' jobs. To combat these issues, NJM sets up a special investigations unit to uncover fraudulent and exaggerated claims.

1966 - NJM's home office relocates to its current 100-acre campus in West Trenton.

1996 - NJM becomes the first workers' compensation insurer in New Jersey to be state-certified as its own Managed Care Organization (MCO), providing medical evaluation, case management, claim adjustment and, when appropriate, modified return-to-work programs.

2000 - NJM opens its first South Jersey customer service and claims office in Hammonton.

2013 - 100 years young! NJM launches its Teen Driver Safety Program and a year-long "DNT TXT N DRV" pledge campaign. More than 50,000 people pledge to not text while driving.

2016 - NJM announces creation of NJM Claims Management Services, LLC, a wholly owned subsidiary established to provide third party administrative services to companies that self-insure for workers' compensation coverage.

2017 - NJM announces the expansion of its Teen Driver Safety Program to include "Share the Keys," a nationally recognized program that encourages parental involvement in the teen licensing process.

2018 - NJM becomes a true regional insurance company offering workers' compensation insurance in Connecticut, Delaware, Maryland, New Jersey, New York, and Pennsylvania. The Company removes membership restrictions and begins offering its auto, homeowners, renters, and umbrella insurance products to all New Jersey and Pennsylvania residents.

NJM is certified by J.D. power for providing "An Exceptional Auto Claims Experience" to its Personal Lines customers.

2020 - NJM begins offering its personal auto, home, condo, renters, and umbrella insurance products to Connecticut residents.

2021- NJM begins offering its personal auto, home, condo, renters, and umbrella insurance products to Ohio and Maryland residents. NJM introduces two new products for businesses: ProEdge Businessowners Policy and commercial excess and umbrella insurance.

Coverages We Offer

Personal Insurance

NJM offers auto, homeowners, condo, renters, and personal umbrella insurance policies to Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania residents.

Business Insurance

Workers' compensation policies are available to business owners in Connecticut, Delaware, Maryland, New Jersey, New York, and Pennsylvania.

Commercial auto insurance is available to business owners in Delaware, Maryland, New Jersey, New York, and Pennsylvania.

Commercial general liability, ProEdge Businessowners Policy, and commercial excess and umbrella insurance are available to business owners in Delaware, Maryland, New Jersey, and Pennsylvania.

NJM is a direct writer of personal and business insurance. The Company also works with a network of independent agents to meet the complex insurance needs of businesses.

Focus on Service

The last thing you need after you file a claim is a long wait for answers. Rest assured that leading consumer surveys and customer feedback have repeatedly recognized NJM for outstanding claim satisfaction.

J.D. Power 2020 Auto Claims Certification Program℠ recognition is based on successful completion of an audit, exceeding a customer experience benchmark through a survey of recent claims servicing interactions, and a Financial Strength rating. For more information, visit jdpower.com.