Dividends Returned to Workers' Compensation Policyholders


NJM is known for dividends. From our earliest days, one of our goals has been to return as much money as prudently possible to our NJ business policyholders. Dividend payments, which are not guaranteed in the future, have been made every year since 1918, for a cumulative total of more than $6.0 billion.

Regular dividends, which are not guaranteed in the future, are typically credited at the end of each 12-month policy and are used to reduce your premium payment for the following year.

NJM workers' compensation insurance policies that became effective in 2016 are receiving a regular dividend of 15% of their premiums.

The dividend percentage amount varies based on the Company's operating experience.