NJ Workers’ Compensation Insurance
Protect your employees and your business with workers’ compensation insurance from Stanton Insurance Group. This state-mandated coverage helps pay for medical expenses, lost wages, disability benefits, and more when an employee is injured or becomes ill due to their job, while also protecting your company from costly lawsuits and compliance penalties.
Why Choose SIG for Workers’ Compensation Insurance?
As a family-owned, independent insurance agency with over 30 years of experience, Stanton Insurance Group (SIG) partners with more than 50 top-rated carriers to help New Jersey businesses secure the right workers’ compensation coverage at the right price.
- Expert guidance tailored to your industry and workforce
- Access to 50+ commercial insurance carriers
- Policy options that meet state requirements and payroll needs
- Fast, responsive service from a local team that knows your business
Save More by Bundling
Bundle your workers’ compensation coverage with general liability, commercial auto, property, or a business owners policy (BOP) to streamline your insurance program and reduce costs. SIG makes it easy to coordinate policies across multiple carriers so you get seamless protection with one trusted point of contact.
What Does Workers’ Compensation Insurance Cover?
Medical Expenses
Covers the full cost of medically necessary treatment related to a work injury or illness. This can include:
- Emergency room visits and urgent care
- Hospitalization and surgery
- Doctor appointments and specialists
- Diagnostic testing (X-rays, MRIs, lab work)
- Physical and occupational therapy
- Prescription medications
- Medical equipment
Questions?
Contact an insurance agent at Stanton Insurance Group today to answer any of your questions or for a free review and quote.
Workers’ Compensation Insurance FAQs
Workers’ compensation insurance provides medical, wage, disability, and death benefits to employees who suffer a job-related injury or illness. It also protects employers from most claims and lawsuits related to workplace injuries.
When an employee is injured on the job, they report the incident to the employer, who then files a claim with their insurance carrier. Once approved, benefits such as medical treatment and lost wages begin immediately based on state guidelines.
Coverage is based on your payroll, employee classifications, industry risk, and state requirements. SIG will help you determine your required limits and ensure compliance.
Premiums depend on payroll size, job classifications, claims history, and safety practices. High-risk industries (construction, trucking, manufacturing) typically pay more than office-based businesses. SIG compares rates from 50+ carriers to find the most competitive price.
Yes. NJ requires workers’ compensation coverage for all employers with one or more employees, including part-time employees. Sole proprietors must carry coverage if they employ anyone other than themselves.
It depends on state rules and your industry. In many cases, contractors must provide proof of coverage to avoid being classified as employees.
Workers’ comp typically does not cover:
- Injuries that occur outside work
- Intoxication or drug-related injuries
- Intentional self-harm
- Violations of company policy