New Jersey's Workers' Compensation Insurance Law
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Workers' Compensation Laws in New Jersey

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.
  • Failure to carry workers' comp coverage is a criminal offense punishable by a fine of $10,000 or imprisonment for up to 18 months.

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

Workers' Compensation Insurance: Further Reading

See Workers' Comp Laws Where You Live