Comprehensive Business Protection
Protect your employees and your business with comprehensive workers' compensation coverage. Get competitive rates and expert guidance for New Jersey businesses.
Complete protection for workplace injuries and illnesses
All necessary medical treatment related to work injuries, including hospital stays, surgeries, medications, and rehabilitation.
Partial wage replacement (typically 70% in NJ) while employees recover and cannot work.
Compensation for permanent disabilities, both partial and total, resulting from workplace injuries.
Financial support for dependents if a work-related injury or illness results in death.
Training and support to help injured workers return to suitable employment.
Coverage for legal costs if employees file lawsuits related to workplace injuries.
Meet New Jersey legal requirements and avoid penalties up to $5,000 per employee.
Ensure injured workers get proper medical care without financial hardship.
Shield your business from costly lawsuits and unlimited liability.
Get employees back to work safely and reduce claim costs.
Access safety training and loss control services to prevent injuries.
Expert support throughout the claims process for faster resolution.
Risk Level: High
Risk Level: High
Risk Level: Medium
Risk Level: Low
Risk Level: Medium
Risk Level: Low
Provide payroll and employee information for accurate pricing.
Ensure employees are properly classified for fair rates.
Receive certificates of insurance for compliance.
Claims assistance, safety resources, and annual reviews.
Yes, New Jersey law requires most employers to carry workers' compensation insurance. This includes businesses with full-time, part-time, or seasonal employees. Sole proprietors and partnerships may elect coverage but aren't required to have it.
Premiums are based on your payroll, industry classification codes, and experience modification factor. High-risk industries like construction pay more than office-based businesses. Your claims history also affects rates through the experience mod factor.
Operating without required coverage in New Jersey can result in fines up to $5,000 per employee, criminal charges, personal liability for all medical costs and lost wages, and closure of your business until coverage is obtained.
Generally, independent contractors are not covered under your workers' comp policy. However, New Jersey has strict rules about contractor classification. Misclassified employees can lead to significant penalties and liability.
Implement safety programs, maintain a drug-free workplace, report claims promptly, use return-to-work programs, properly classify employees, and work with an experienced agent to find the best rates.
Workers' comp covers injuries and illnesses that occur in the course of employment. This includes sudden injuries like falls or equipment accidents, repetitive stress injuries, occupational diseases, and aggravation of pre-existing conditions.
Protect your employees and comply with NJ law