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Construction Workers at Sunset

Workers' Compensation Insurance

Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverage(s). Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. 


All businesses in a state that aren’t covered by federal programs are required to carry workers compensation insurance coverage for all employees. This insurance coverage helps to insulate your business from many lawsuits related to working conditions that may result in an employee injury or illness.

While it doesn’t absolve business owners from responsibility for providing a safe work environment, it does help businesses provide for the treatment and care of employees who are injured or killed in the course of their work.

What Types of Injuries does Workers’ Compensation Insurance Cover?

Workers’ compensation coverage applies to injuries that happen to employees while on the job. It doesn’t mean employees must be on the premises in order for it to be a workers’ compensation claim. What it does mean is that the employees must be acting on behalf of your business.

This insurance covers all costs for the medical treatment of injured employees. It replaces wages that are lost when employees are unable to work due to injuries or the treatment of those injuries. It even provides coverage for those who are permanently disabled due to accidents, injuries, illnesses contracted while on the job.

In some cases, vocational rehabilitation or job placement assistance is covered when employees are unable to return to roles they’ve held in the workplace previously due to the scope or degree of their injuries.

Death benefits are paid out to surviving dependents in the event that the injury, accident, or illness results in the death of the employee.

Are There Areas Workers’ Compensation Doesn’t Cover?

Workers’ compensation coverage does have its limitations. There are some things this type of insurance doesn’t cover, including the following:

  • Injuries received off-duty.

  • Injuries received during activities that go against company policy (including horseplay).

  • Injuries received in the course of a felony.

  • Self-inflicted injuries.

  • Injuries caused as a result of intoxication, alcohol, or drug use.

  • Injuries claimed only after an employee has been laid off or fired.


Independent contractors are not employees. Injuries to them are not covered by workers’ compensation. Employees who begin fights and are injured as a result are similarly not covered.

Why Choose Us for Your Workers’ Compensation Insurance Needs?

Choosing the right company for your workers’ compensation coverage can make a world of difference when it comes to the price you pay. We offer free, no obligation online rate quotes so that you know what you can expect from coverage and costs.

The best insurance coverage for workers’ compensation is not always the one that’s the most inexpensive. Don’t fall for cheap insurance quotes from slick television ads that will leave you fending for yourself when the time comes that you need to make a claim.

We are an independent agency with 50 years of experience serving New Jersey residents and businesses alike Let us help you get the coverage you need at affordable rates today.


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