About Us

Group Self-Insurance Solutions for Municipalities
The Garden State Municipal Joint Insurance Fund (GSMJIF) is a property and casualty fund, formed pursuant to N.J.S.A. 40A:10-36, currently serving 38 New Jersey municipalities covering 12 counties spanning the state.

The GSMJIF was formed in 2002 by NIP Group, Inc. in response to the lack of affordable commercial insurance for municipalities. The primary objective of the GSMJIF is to provide its members with a secure, long-term and cost effective risk management program that will help maintain municipal budget stability year over year. The GSMJIF achieves this objective by implementing the best risk, underwriting, claims and litigation management practices, which improve public and employee safety and lower the ultimate cost of risk. Each of these disciplines is overseen by internal, highly experienced managers who work closely with outside service providers and members to achieve best-in-class results.

The GSMJIF has been administered by NIP Management Services, LLC, a division of NIP Group, Inc., since its formation. NIP Group is a specialized business insurance and risk management intermediary ranked among the 100 largest in the United States. Known for our entrepreneurial spirit, ability to innovate and unique depth of knowledge in key markets, our experienced employees provide a wide range of brokerage, underwriting and risk management services to numerous industries. NIP Group has more than 100 employees headquartered in Woodbridge, NJ and draws upon the expertise of highly talented business partners throughout the country and abroad to meet the needs of its clients.

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