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All New Jersey employers not covered by Federal programs must have Workers' Compensation coverage. Out-of-state employers may need Workers' Compensation Insurance if they enter a contract of employment in New Jersey or if work is performed in New Jersey.

NJ Workers' Comp: Key Details

  • Sole proprietors with no employees in NJ are not required to carry coverage, but may elect to cover themselves.
  • Any business with one or more employees must carry coverage.
  • Your business must either be approved for self-insurance or must purchase coverage from a private insurance provider.

More information on Workers' Comp regulations in New Jersey is available from the state's Department of Labor.

Workers' Compensation Insurance Laws By State