New Jersey Workers' Compensation Programs

Find More Savings With One of Our Select Workers' Comp Packages.

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.

Our programs target businesses where we have the best opportunity to provide maximum savings. Often times, we've worked out special considerations for underwriting and pricing with some of our insurance partners. More policy discounts and credits may be applied.

Target Programs for NJ Workers Compensation

Don't see your business or industry? Don't worry, we've still got you covered.

New Jersey Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.


We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers Comp Insurance in New Jersey

Who Needs Coverage in New Jersey?

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..

Call Now: 888-611-7467

Affordable workmans comp for business owners.

WHAT IF MY INDUSTRY IS NOT LISTED AS A TARGET?

We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
  • More than 50 top insurance companies quoting workers comp insurance.
  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance 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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