NJ Workers Comp Programs

Save money with target workers compensation programs for New Jersey employers.

New Jersey is a unique state in that each year the rates for approximately 600 workers comp class codes are determined and set by the New Jersey Compensation and Rating Inspection Bureau. A lot of NJ business owners assume that work comp rates are the same from one carrier to the next since New Jersey rates are mandated by the state. However, New Jersey law does allow private insurance companies to issue policy credits and debits up to 15% on each policy. These credits are not available for employers who purchase workers comp through the New Jersey Workers Compensation Insurance Plans (PLAN).

The overall cost of an insurance policy in New Jersey whill often vary up to 30% depending on your industry classification and each carriers' appetite for your type of business.

Call us today to see if we've got a more affordable work comp program for your business.

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Target Programs for NJ Workers Compensation

Buying Workers Comp Insurance in New Jersey

Alabama Owner and Officer Exclusions

Alabama currently allows LLC owners, corporate officers, sole-proprietors, and partners to exclude themselves from workers compensation coverage. Owners may elect annually to be exempt from insurance coverage by filing a written certification of their election with the department and the insurance carrier providing coverage.

Why Shop Alabama Workers Comp?

Alabama's workers' compensation rates have been decreasing for the past few years. However, many insurance companies don't offer maximum discounts to employers who continue to renew coverage year-after-year. The reason is that insurance carriers are always interested in maximizing their own revenue. It's often helpful to shop you coverage when rates are decreasing to ensure your business is getting the very best price on coverage.

All NJ employers, not covered by Federal programs, must have workers’ compensation coverage or be approved for self-insurance if they have one or more employee. Out-of-state employers may need workers’ compensation coverage if a contract of employment is entered into in NJ or if work is performed in the state.

There are currently over 300 pricate insurance carriers doing business in New Jersey, but many carriers are selective as the the industries they are willing to quote. New Jersey is one of the top five most expensive states in the U.S. to buy work comp coverage.

Our agency works with many of the top-rated workers compensation insurance carriers in New Jersey. We have dozens of affordable workers comp programs designed to get you the best deal on coverage..

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Get Work Comp Quotes
Or call us at 888-611-7467 to speak with a Workers Comp Specialists

We shop workers compensation with more than 35 insurance companies
Affordable workmans comp for business owners.


Don't worry if you don't see your type of business or industry listed above. We write workers comp for lots of companies who are not on the list. Chances are we have the right products and carriers to fit your needs.
  • More than 35 companies quoting workers comp insurance.
  • Programs for standard businesses and tough class codes.
  • Start your quote online or call us at 888-611-7467.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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