New Jersey Skylands Insurance Association is a full-service property-casualty insurance company focused exclusively on New Jersey. The company s OneChoice Umbrella provides coverage for claims above the limits provided by auto, homeowners or personal watercraft policies. It sells insurance through a national network of independent agents. New Jersey Skylands Management LLC, an attorney-in-fact and a wholly owned subsidiary of Tower Group Companies manages New Jersey Skylands Insurance Association. New Jersey Skyland Insurance has a Watercraft endorsement that covers boats, boat trailers, unattached equipment/accessories, personal effects and liability for boating accidents, as well as medical payments.