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Workers Compensation Insurance Information

Please contact us for your workers compensation insurance needs.

Workers compensation laws were created to ensure that employees who are injured in the course of their employment receive medical and indemnity payments as required by the Federal and State statute.

Do I need workers compensation insurance?

In New Jersey, workers compenstation insurance is required if you have 1 or more employees.  Failure to meet the requirements of the statute can result in fines for the business owner.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy.

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