NJM Insurance offers personal auto, home, workers’ compensation and commercial business policies to Connecticut, Delaware, Maryland, New Jersey and Pennsylvania residents. In addition to personal coverage products like ProPack commercial package policy and ProEdge commercial owners’ policy.
National Association of Insurance Commissioners rankings indicate high customer satisfaction with low complaints against this insurer, offering competitive rates as well as numerous discounts.
Personal Auto
NJM Insurance provides personal auto insurance in five states across the Midwest region. Their standard policies cover liability, collision and comprehensive. In addition, NJM Insurance also offers add-on options like limited pet accident coverage and new car replacement coverage that may add further layers of protection on the road.
Other coverages available to drivers after an accident include MedPay, which pays medical expenses, lost wages and funeral costs in the event of fatality. Uninsured/underinsured motorist coverage provides compensation for property damages and bodily injuries caused by drivers without sufficient car insurance policies.
NJM Insurance offers more than the standard auto coverage options – in particular ridesharing coverage to protect drivers and passengers who use apps for transportation on the road, and gap coverage to cover any differences between your loan or lease agreement and vehicle value if your vehicle is totaled.
NJM Insurance can help you save on both car and homeowners insurance policies by bundling them together or taking advantage of its many discounts, such as its safe driving discount – available by successfully completing an eligible defensive driving course (New Jersey only), antitheft device discounts, good student discounts for high school or college students with honor roll or Dean’s list status and maintaining a B average or better, multi-car discounts, electronic payment discounts (available to those paying their car/home policies automatically from checking or savings accounts) as well as multi-car discounts and electronic payment discounts (available through automatic payments from checking/saving accounts).
Overall, NJM Insurance provides comprehensive auto and homeowner coverages at highly competitive rates compared to major providers like State Farm and GEICO. NJM Insurance makes an ideal choice for drivers in New Jersey, Connecticut, Pennsylvania, Maryland or Ohio looking to save money by switching their insurance company – though before making your final choice it’s wise to compare quotes from multiple providers first to ensure you find one best suited to you and your vehicle needs.
Homeowners
NJM Insurance Homeowners Insurance can provide financial protection if your house is damaged or destroyed, including guaranteed replacement cost coverage that pays to rebuild it even if its costs exceed your policy’s dwelling limit. NJM homeowners policies come equipped with water backup coverage, which covers any damages from sewer or drain backup. Other providers typically charge extra for this coverage; but with NJM Insurance homeowner policies it comes included. Homeowners who choose NJM Insurance tend to be pleased with both the coverage and claims experience provided. According to the National Association of Insurance Commissioners (NAIC), it receives 81% fewer complaints than similar-sized home insurers; furthermore, New Jersey Manufacturers Insurance Company holds an A+ or Superior financial strength rating from AM Best.
Auto products from this insurer are also highly competitive, and it boasts outstanding customer service and claims satisfaction ratings. In 2023’s J.D. Power study on auto claims satisfaction it earned an outstanding 900 out of 1000 points – more than Amica or Erie combined! Customers report less issues with claims with this provider and typically experience lower rates.
New Jersey and Pennsylvania policyholders of Liberty Mutual Auto Policy enjoy free accident forgiveness provided they meet certain criteria, such as having had at least five years with them, driving no more than 12,000 miles annually, having no accidents or violations and making full premium payments with automatic payment plans to save money.
NJM Insurance Services not only provides auto and home policies, but they also specialize in personal umbrella, workers’ compensation and commercial general liability policies. Their products have earned them a solid reputation among consumers while they also take pride in offering multiple-car discounts and safety feature reductions to make life simpler for customers.
This company boasts an expansive network of agents throughout California and an easy-to-use website, where customers can obtain quotes online or speak to an agent about coverage options. Furthermore, their FAQ page addresses commonly asked questions regarding products and services provided by this provider.
Commercial Auto
NJM Insurance offers commercial auto insurance as an additional form of workers’ compensation coverage, in addition to its workers’ comp products. Their auto products include general liability, collision and comprehensive, residual bodily injury/property damage (15/30/5 coverage in New Jersey) coverage as well as gap coverage and umbrella insurance policies.
Your workers’ comp policy covers injuries sustained on the job. In case of a claim, workers’ comp can cover medical bills, lost wages and additional income as well as cover any relocating costs related to accommodating injured employees.
NJM Insurance prides itself on outstanding customer service and claims processing. Their staff members are professional full-time workers familiar with its products and policies; dedicated to meeting policyholders’ needs by being available around the clock to answer questions; trained to identify and resolve problems as quickly as possible.
According to three years’ worth of data from the National Association of Insurance Commissioners, NJM Insurance Group had far fewer complaints than many competitors in its size class. Furthermore, its auto insurance rates are lower than average nationally while having achieved an A+ (Superior) financial strength rating.
New Jersey Mutual offers an array of auto and homeowners insurance discounts, which can make a substantial impactful difference on your budget. For example, this company provides drivers who complete driver training courses a discount. There’s also multi-policy and safe driving discounts to be taken advantage of.
NJM offers policyholders an intuitive website for accessing their policy details, making payments and reporting claims. In addition to that feature, its mobile app enables policyholders to access those same features. Furthermore, NJM also provides several additional services designed to maximize your policy’s potential: roadside assistance can help tow your car when necessary while its SafeDrive program tracks acceleration, braking and cornering – this voluntary participation won’t increase rates!
Workers’ Compensation
NJM workers’ compensation insurance provides medical care and partial wage replacement benefits to employees injured on the job, death benefits and disability coverage in case of fatal workplace accidents, as well as death benefits and disability coverage if an employee dies on the job. With headquarters located in West Trenton, New Jersey serving customers in five states through policies offering pay-as-you-go systems so business owners can adjust premiums based on actual payroll instead of estimates; flexible claims management; access to network of medical providers are just some of the features included with NJM workers’ comp policies.
NJM Car Insurance offers standard auto coverage types such as liability, collision, personal injury protection (PIP), ridesharing coverage when lending out your vehicle and new-car replacement if totaled in an accident are all offered as options. In addition, NJM offers gap insurance and physical damage coverage for trailers or campers as additional offerings. NJM also provides homeowners’ and condo insurance, commercial auto and umbrella policies.
AM Best has awarded NJM with an A+ financial strength rating, attesting to their capability of meeting customer claims even during tough economic conditions. Their auto policies offer competitive rates with high customer satisfaction ratings – earning third place in JD Power’s 2023 auto claims satisfaction survey! In terms of home and condo insurance policies, NJM provides standard types plus identity fraud expense, water backup backup coverage options and scheduled personal property protection options as standard coverage types; additionally they have assisted living coverage available that protects families living in care facilities against liability as well as personal property protection options.
NJM stands out among workers’ comp providers as an innovator despite its small size, having created an innovative managed care organization and fraud unit, respectively, to offer quality medical evaluation and case management services to insureds at reduced premium rates for honest workers.
NJM provides traditional workers’ comp insurance as well as Section 32 settlements to injured workers, which can help settle outstanding issues or cases that have taken an extended duration to settle.
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