NJM Insurance Group is a mutual insurance company founded in 1913, operating across New Jersey, Pennsylvania, Connecticut, Ohio, and Maryland. As a policyholder-owned mutual, the company structures itself around a founding principle that policyholders should come first, rather than shareholder returns. The organisation has maintained an A+ financial strength rating from AM Best for 90 consecutive years.
The company provides property and casualty insurance across both personal and commercial segments. Personal lines include auto, homeowners, condo, renters, and personal umbrella coverage. Commercial offerings encompass workers' compensation - the product that originated the company - alongside commercial auto insurance and businessowners policies for small and medium enterprises.
NJM positions itself as a straightforward provider focused on service quality and financial stewardship rather than marketing volume. The company has received recognition from J.D. Power for auto claims experience and has appeared on Forbes' best employers lists. Long tenure among staff is notable, with many employees having spent over a decade with the organisation.
