New Jersey Workers' Compensation Insurance

AmTrust is an industry leader in workers’ compensation for New Jersey small businesses. Connect with an AmTrust-appointed agent to get a quote.

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Choose AmTrust for Workers’ Compensation Coverage in New Jersey

Workers' compensation insurance protects your most valuable asset – your workforce. Should an employee suffer job-related injuries or accidents, workers' comp covers the cost of medical expenses, lost wages and retraining costs or compensation for permanent disability.

As the third largest workers’ compensation carrier in the United States, AmTrust can design the specific packages small and mid-sized businesses in New Jersey need to comply and succeed. From Newark and Jersey City to Atlantic City, Hoboken and everywhere in between, AmTrust is a one-stop shop for New Jersey workers’ compensation insurance. 

Is Workers’ Compensation Mandatory in New Jersey?

All businesses in the state of New Jersey, whether they are a corporation, LLC or sole proprietorship, are required to have workers’ compensation coverage. Out-of-state employers may also need workers’ compensation insurance for employees who work in New Jersey. Workers’ comp is required for both full-time and part-time employees. 

Common Workers’ Compensation Claims in New Jersey

  • Contact with objects or equipment
  • Slips, trips and falls
  • Highway vehicle accidents 
  • Workplace violence
  • Exposure to harmful chemicals

Reduce Workers’ Compensation Claims with Loss Control Services from AmTrust

AmTrust’s Loss Control Department specializes in risk management solutions to help prevent injuries and improve employee safety. We take a proactive approach to reducing workplace injuries by offering robust employee training and consultant services to identify the specific risks each individual business may face. 

From onsite or virtual in-depth risk assessments to our extensive collection of
safety and risk management resources, AmTrust Loss Control can help identify common hazards that can lead to costly business losses and connect employers to solutions to help prevent or minimize them.

How Much Does Workers’ Compensation Insurance in New Jersey Cost?


The cost of workers’ compensation for New Jersey small businesses depends on several factors. The size and location of the company, the specific industry, coverage limits and the various risks facing the employees all have an impact on the cost of coverage. 

Additionally, businesses with safe workplaces could see an experience modifier, the connection between their workplace injury loss and workers’ comp costs, that is better than average. Insurance companies use experience modifiers to help determine workers’ compensation premium costs, and companies with lower risk will generally have a lower premium.

To get a quote, connect with an AmTrust-appointed agent today.


Workers’ Compensation Resources for New Jersey Small Business Owners

AmTrust is here to help small businesses in New Jersey with a variety of workers’ compensation resources to help protect the company and keep employees safe.

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