New Jersey Manufacturers Insurance Company (NJM) will sell you insurance, if you're part of the right group. Its property/casualty insurance products are available only to employees of the State of New Jersey, or members of the New Jersey Business & Industry Association and their employees. Its individual products include automobile, homeowners, renters, umbrella, and flood insurance. Its commercial products include commercial auto and workers' compensation. Its NJM Bank subsidiary provides checking accounts and savings accounts, as well as loans and investment products, to individuals and businesses in the Garden State. 


NJM is the state's leading auto insurer (by number of vehicles covered) and workers' comp insurance provider and the third largest homeowner's insurance provider. Personal auto premiums account for more than half of the company's written premiums, while workers' compensation premiums account for about 30%. NJM operates alongside three sister firms: New Jersey Re-Insurance, New Jersey Casualty Insurance, and New Jersey Indemnity Insurance. The four companies operate together as the NJM Insurance Group.

To support its insurance customers, NJM provides underwriting, claims, information technology, and administrative services.

Geographic Reach

NJM has offices in Hammonton, Parsippany, and West Trenton (headquarters), New Jersey. Nearly all the company's business is in New Jersey though it does insure drivers in some parts of Pennsylvania.

Sales and Marketing

The company sells directly to consumers, with no agents and no sales commissions.


As a mutual company, the company returns dividends to its policyholders ranging from 25% of premiums on workers' compensation policies down to an average of 5% of premiums on personal auto policies. It has returned more than $5.5 billion in dividends since its founding in 1918.

In 2012 NJM implemented new Guidewire IT systems for its policy administration, underwriting, and billion functions. The company also implemented Guidewire's client data management system to provide comprehensive customer data.

Company Background

The company was founded as New Jersey Manufacturers Casualty Insurance in 1913.

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301 Sullivan Way
Ewing, NJ 08628-3406
Phone: 1 (609) 883-1300
Fax: 1 (609) 883-4835


  • Employer Type: Private
  • President and CEO: Bernard M. Flynn
  • Chairman: Douglas R. Kuiken
  • Vice Chairman: Matthew L. Wright

Major Office Locations

  • Ewing, NJ
  • Trenton, NJ

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