The NJ Workers’ Compensation Law requires all employers operating in NJ to have workers’ compensation coverage. This coverage provides benefits for injured workers regardless of who is at fault for the injury or illness. Every industry faces a different level of employee injury risk. Office personnel face very little exposure to workers’ comp claims while a construction worker may face a significantly greater chance of workplace injury. The rates for workers’ compensation coverage vary drastically between industries for this reason. Speak with one of our qualified commercial lines representatives to acquire a rate specific to your industry’s workplace injury exposure.
Workers compensation coverage protects your employees in case of injury during the course of employment. Policies vary in scope but will often provide some type of coverage for:
- Medical Expenses
- Lost Wages
- Rehabilitation & Therapy Costs
- Death Benefits for Spouses and Dependents