Workers Compensation Insurance in New Jersey (NJ)

Small Business Coverage and Peace of Mind

New Jersey is one of the most diverse states in the Union – from the populous Gateway Region bordering New York City to the hills of Hunterdon County in the west. Cities like Newark, Elizabeth, Jersey City, and Hackensack have rich histories dating back to the Colonial era and the Revolutionary War. Also historic is New Jerseys’ role in the development of workers’ compensation insurance.

As a key manufacturing state, New Jersey was an early leader in the workers’ compensation movement in the United States. Today, workers’ compensation in New Jersey continues as a “no-fault” insurance program that provides defined benefits for workplace accidents or occupational illnesses. An injured worker is covered regardless of fault. In exchange for guaranteed benefits, the worker relinquishes the right to bring a civil action against the employer for pain and suffering or other damages. To maintain a uniform program, every private-sector employer must obtain a workers’ compensation insurance policy or be qualified as a self-insured employer. Insurance premium rates and policy procedures are set by the New Jersey Compensation Rating and Inspection Bureau. Failure to maintain workers’ compensation coverage for employees can result in significant civil fines, penalties and criminal violations.

The Workers’ Compensation Act has been beneficial to workers and employers in businesses large and small. Some of the leading small businesses purchasing workers’ compensation insurance are auto repair shops, restaurants, hotels, grocery stores, and professional employers like physicians and colleges.

On the 100th Anniversary of the New Jersey Workers’ Compensation Act, Governor Chris Christie proclaimed, “New Jersey continues to be a national model in providing safe and healthy working conditions for a workforce of more than four million men and women.”1

EMPLOYERS is America’s small business insurance specialist® and it provides small businesses in New Jersey with workers’ compensation insurance that is right for their business. The value added services that EMPLOYERS offers our policyholders, such as loss control services, PrecisePay®, Anti-Fraud Programs, Managed Care Services, and Premium Audit, make EMPLOYERS a great choice for New Jersey businesses.

New Jersey Workmans’ Comp Coverage You Need

Interested in learning more about how EMPLOYERS can help your New Jersey business? Request a quote for workers’ compensation insurance from EMPLOYERS!

Thousands of small businesses trust EMPLOYERS for providing cost-effective workers’ compensation insurance for over a century. With our competitive pricing, financial stability and dependability, claims service, safety training and risk advisory programs, EMPLOYERS remains focused on keeping America’s small businesses not only working, but working safely.

1. Chris Christie, “Executive Department Proclamation recognizing the 100th Anniversary of the New Jersey Division of Workers’ Compensation,” State of New Jersey Department of Labor and Workforce Development, April 4, 2011,

In New Jersey, insurance is offered through Employers Compensation Insurance Company, Employers Assurance Company and Employers Preferred Insurance Company. Not all insurers do business in all jurisdictions.