NJM Blog

A National Day That SAVES You Money

A National Day That SAVES You Money

Many national days entice Americans to spend money. In June, we’ve observed National Ice Cream Cake Day, National Yo-Yo Day, and National Peanut Butter Cookie Day, all celebrations that ask consumers to reach into their wallets.

In contrast, National Insurance Awareness Day gives you the chance to save money. Observed every June 28th, the day encourages consumers to review their insurance policies. Your insurance needs can change during the year — you may be due for an upgrade, or perhaps you’re eligible for a new discount!

Are you a business owner? If so, contact your agent or broker to conduct a policy review. If you don’t have an agent, find one by visiting our Agent Directory. Insurance agents are experts in their field, certified to sell insurance, and up to date on the latest insurance information, endorsements, and regulations.

Benefits of Using an Independent Agent

Insurance agents combine knowledge and experience to identify the appropriate insurance needs for your business. It’s their profession. Independent agents are experienced in determining the right amount of coverage at the right cost.

Here are four more reasons why insurance agents add value to your business.

Claims Handling – When filing a claim, your agent can take the lead in working with your insurance company, while you focus on your operations.

One–Stop Shopping – Your insurance agent can work on your behalf to get multiple quotes from different carriers so you can find the right package for your business.

Discounts – Agents communicate with carriers regularly and stay informed of new discount opportunities. Your agent can proactively monitor your policy and your eligibility for any potential discounts.

Policy Reviews – Your insurance agent can review your account throughout the life of the policy to ensure you have the coverage you need.

During Your Policy Review, Your Agent May Ask…

  • Is the business profile information in your policy up to date and accurate?

  • Do your coverage limits and deductibles make sense with your current cash flow and assets? (There may be an opportunity to lower your premium!)

  • How much can you afford to pay out of pocket toward a claim before your insurance applies?

  • Are there any new business assets that require additional coverage?

  • Have your business operations expanded into any new states?

  • Have any loans been paid off?

  • Have your workplace and work vehicles been inspected recently?

  • If you are sued for an incident resulting from your business operations, how much insurance do you need?

Don’t forget! June 28 is National Insurance Awareness Day! Talk to your agent about NJM Workers' Compensation, Commercial Auto, or Commercial General Liability Insurance for your business.

Why Choose NJM?

  1. Customer Care – A comprehensive and seamless approach to claim management.

  2. Loss Prevention Education – Access to online training videos, materials, and presentations developed to help companies reduce or prevent losses.

  3. Online AccessOnline access 24 hours a day, 7 days a week to your business policy.

  4. Dedicated Account Representatives – A team of local account representatives dedicated to providing assistance to policyholders and agents.

Connect with our select network of independent agents, or purchase a policy directly through NJM. Depending on your business's unique characteristics, you could benefit by using an agent to apply for NJM Business Insurance.

NJM is a leading commercial insurance company in the Mid-Atlantic region, with a focus on loss prevention and cost savings. We are backed by a financial strength rating of A+ (Superior) by AM Best Company, the nation's premier financial services credit rating agency.