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New Jersey Workers' Compensation Requirements
At a glance
The details
ALL employers (NJ DOL official): coverage or approved self-insurance; no employee-count exception.
If a claim happens: benefit amounts in New Jersey
2026 max $1,199/wk (up from $1,159 in 2025). Verified via NJ workers' compensation professional press Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts 01/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in New Jersey?
Yes — New Jersey requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in New Jersey?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in New Jersey?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for New Jersey's current enforcement posture.
Official source: NJ Department of Labor - Division of WC · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules