Workers’ Compensation Insurance in New Jersey

Protect Your Team with Workers' Comp Insurance

Running a business in New Jersey means more than just delivering great service—it means protecting the people who make that service possible. Workers’ compensation insurance isn’t just a legal requirement for most employers—it’s a critical safeguard for your team and your business.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance provides medical and wage benefits to employees who are injured or become ill due to their job. In New Jersey, most employers are legally required to carry this coverage—even if they only have one employee.

Beyond compliance, workers’ comp plays a key role in protecting your business. It ensures employees get the care they need while helping you avoid costly lawsuits, penalties, and downtime.

What Does Workers’ Comp Cover?

Workers’ compensation covers a wide range of employee-related risks and expenses, including:

  • Medical treatment for work-related injuries or illnesses
  • Partial wage replacement during recovery
  • Rehabilitation or physical therapy services
  • Employer legal defense if an employee sues over a covered injury

It’s not just insurance—it’s a critical part of your risk management plan.

Who Needs Workers’ Comp Insurance in NJ?

In New Jersey, workers’ comp is required for most businesses with at least one employee, whether they’re full-time, part-time, or seasonal. Independent contractors may also require coverage, depending on the situation.

Whether you’re hiring your first employee or scaling your operation, we’ll make sure you have the right coverage in place.

Why Choose Keller Insurance?

At Keller Insurance Services, we understand the unique needs of New Jersey business owners. We provide:

  • Local expertise in NJ workers’ comp laws and regulations
  • Quick quotes and policy setup to keep you compliant
  • Clear communication—no confusing fine print
  • Affordable rates designed for small and mid-sized businesses
  • Hands-on support during audits and claims

We’re here to make workers’ comp simple, affordable, and stress-free—so you can focus on running your business.

Frequently Asked Questions

Is workers’ compensation insurance required in New Jersey?

Yes. In New Jersey, nearly all businesses with one or more employees are required by law to carry workers’ compensation insurance—even part-time or seasonal workers.

What happens if I don’t carry workers’ comp insurance?

Failing to carry workers’ compensation coverage can result in severe fines, penalties, and potential lawsuits. It also leaves your business vulnerable to out-of-pocket costs for workplace injuries.

Does workers’ comp cover independent contractors?

It depends. While true independent contractors are generally not covered, misclassification issues are common. We can help you determine who should be included in your policy.

Need a Workers Comp Insurance Policy?

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