New Jersey Manufacturers Insurance Company or NJM, headquartered in the West Trenton section of Ewing Township, Mercer County, New Jersey, United States, offers personal auto, commercial auto, workers' compensation, homeowners, flood, and umbrella insurance. The company was formed in 1913 by a group of factory owners seeking workers' compensation coverage. NJM has grown to provide insurance to more than 800,000 policyholders living in New Jersey and Eastern Pennsylvania. NJM has been partnered with the New Jersey Business and Industry Association, or NJBIA, since the day it first started writing insurance policies. Those seeking NJM personal insurance must be either currently employed by a member organization of the NJBIA; currently employed by the State of New Jersey; currently employed by a New Jersey county, municipality, or township; currently employed by a New Jersey public school; or currently employed by the federal government, while commercial applicants must be a member of the NJBIA. NJM, originally known as New Jersey Manufacturers Casualty Insurance Company, formed as a workers’ compensation insurance company during the early 1900s, when industrialization in America was at its peak. The Company grew, expanding to auto insurance soon after being established in 1913. NJM began issuing dividends to policyholders in 1918, and has continued this practice in each subsequent year without interruption.