Comprehensive Coverage for Construction Professionals
State-mandated coverage that protects both employees and employers when workplace injuries occur on construction sites.
Workers' compensation insurance is required by New Jersey law for all construction businesses with employees. It provides medical benefits and wage replacement to employees injured on the job while protecting employers from lawsuits. In the high-risk construction industry, workers comp is not just a legal requirement—it's essential business protection.
Mandatory coverage for construction employers
Any construction business with W-2 employees must carry coverage
Optional but recommended; often required by GCs
Required even if owners exclude themselves
GCs require subs to show proof of coverage
Roofers, framers, and demolition have higher requirements
Must meet union-specific coverage requirements
All reasonable and necessary medical treatment for work injuries
Partial wage replacement during recovery (typically 70% in NJ)
Compensation for permanent partial or total disability
Benefits to dependents if a work-related death occurs
Vocational rehabilitation to return employees to work
Defense against improper claims
Coverage for 1099 contractors (not covered)
Injuries from horseplay or intoxication
Access to multiple carriers ensures best pricing for your class code
Avoid large deposits with payroll-based premium payments
Free safety resources to reduce claims and lower premiums
Dedicated claims team familiar with construction injuries
Get employees back to work safely and reduce claim costs
Fast certificate issuance for contracts and compliance
Get an accurate quote based on your specific needs
Get Custom QuoteMedical treatment, surgery, and 6 months lost wages
Outcome: $85,000 total benefits paid
Physical therapy and partial disability
Outcome: $45,000 in medical and indemnity
Emergency care, surgery, and permanent partial disability
Outcome: $125,000 lifetime benefits
Rates vary significantly by trade. Clerical work may be 0.5% of payroll while roofing can exceed 20%. Your specific rate depends on classification, experience mod, and claims history. We'll provide exact rates for your business.
In New Jersey, sole proprietors, partners, and LLC members can exclude themselves but must file specific forms. However, many general contractors require all individuals on site to be covered, so exclusion may limit your work opportunities.
Your "mod" compares your claims history to similar businesses. New businesses start at 1.0. Good safety records can reduce it below 1.0 (saving money), while poor records increase it above 1.0 (costing more).
Generally no, but NJ strictly enforces employee classification. If the state determines your "1099s" are actually employees, you'll owe back premiums, penalties, and potential claims. We recommend proper classification review.
Operating without required coverage in NJ results in stop-work orders, fines of $5,000+, personal liability for all medical costs, and potential criminal charges. It also disqualifies you from most construction contracts.
Consider these additional coverages for comprehensive protection
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