NJM operates in a mutual fashion strictly for the benefit of policyholders. NJM is the largest workers' compensation insurance provider in New Jersey, and a leader in personal auto, commercial auto and homeowners insurance. More than 98% of its business is in the Garden State. NJM consistently receives top marks for customer satisfaction from independent rating agencies, including selection by J.D. Power as a 2014 Customer Champion, and has returned dividends each year since 1918 for a total of more than $6 billion.