Workers’ Compensation Insurance
What is Workers’ Compensation insurance?
Workers’ comp provides medical benefits and wage replacement to employees who are injured or become ill as a direct result of their job. It also protects your business from most employee injury-related lawsuits.
Is Workers’ Comp required in New Jersey?
Yes, New Jersey law requires all employers with one or more employees, whether they are full-time, part-time, or seasonal, to carry workers’ compensation insurance, even if the employees are family members.
Who is considered an employee?
Any person who performs services for your business in exchange for compensation can be considered an employee, including full-time, part-time, and temporary workers. Independent contractors may or may not be covered depending on control and classification.
What does Workers’ Compensation cover?
It typically includes medical treatment for work-related injuries or illness, temporary disability payments while an employee recovers, permanent disability benefits (if applicable), and death benefits to dependents if the employee dies from the injury.
What types of injuries are covered?
Workers’ comp covers both accidents, like slips or falls, and occupational illnesses or repetitive stress injuries that arise during employment.
What happens if I don’t have Workers’ Comp insurance?
Failure to carry required coverage can result in fines, penalties, and potential criminal charges. Your business could also be held personally liable for employee medical bills and lost wages.
Does Workers’ Comp cover injuries that happen off-site?
Yes, if the employee was performing work-related duties at the time of injury, workers’ comp typically applies, regardless of whether they were on your business premises.
Can employees sue me if I have Workers’ Compensation?
In most cases, no. Workers' Compensation is designed as an exclusive remedy, meaning employees give up the right to sue for negligence in exchange for guaranteed benefits.
How do I get coverage or make sure I’m compliant?
We can help assess your employee structure, ensure proper classification, and place you with a carrier that meets state requirements and your industry’s needs.