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.