An Employer's Guide To Workers' Compensation in New JerseyAn Employer's Guide To Workers' Compensation in New JerseyAn Employer's Guide To Workers' Compensation in New Jersey
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AN EMPLOYER’S GUIDE TO
WORKERS’ COMPENSATION
IN NEW JERSEY
I.

WHAT IS WORKERS’ COMPENSATION?................................. 2

II.

WORKERS’ COMPENSATION BENEFITS................................. 3

III.

IV.






BEFORE AN INJURY OCCURS..................................................... 9
• Posting Notice
• Establish Clear Procedures for Employees and Managers

V.
VI.

INSURANCE REQUIREMENTS.................................................... 4
Types of Coverage
Definition of “Employee”
Obtaining Workers’ Compensation Coverage
Insurance Premium Rates
What a Workers’ Compensation Policy Covers
Penalties for Failure to Insure

REPORTING WORK ACCIDENTS AND
OCCUPATIONAL EXPOSURES.......................................... 10
HOW TO REDUCE
WORKERS’ COMPENSATION COSTS..............................11
• Establish a Safety Program
• Establish Return-to-Work Programs
• Establish and