Small Business Solutions

How can we help your small business?

NJM has been helping small businesses meet their insurance needs for more than a century. With NJM insurance, you can feel confident in your business’s coverage. Here are answers to questions you may have in order to make better informed decisions.

Commonly Asked Questions

Do I need workers’ compensation insurance for my small business?
What is the best liability insurance for my small business?
CGL or BOP insurance — What is best for my small business?
What is the best business insurance for a small LLC?
Do I need errors and omissions insurance?
What are the benefits of using an independent insurance agent?
What is small business insurance?
How to get small business insurance

Business Insurance

What is commercial umbrella insurance?
Does business insurance cover independent contractors?
How does workers’ compensation insurance work?
What does CGL insurance cover for contractors?
What is commercial auto insurance?
What is workers’ compensation?

Industry Information

What insurance do I need as a carpenter?
What insurance do I need as an electrician?
What insurance do I need as a florist?
What insurance do I need as an HVAC contractor?
What insurance do I need as a landscaper?
What insurance do I need as a lawyer?
What insurance do I need as a mason?
What insurance do I need as a plumber?
What insurance do I need in the real estate industry?

State Information

What are common small business requirements in Connecticut?
What are common small business requirements in Delaware?
What are common small business requirements in Maryland?
What are common small business requirements in New Jersey?
What are common small business requirements in New York?
What are common small business requirements in Pennsylvania?

The information and descriptions on this site are general in nature. 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, as 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.