Department of Labor and Workforce Development | Employer/Insurance Carrier Information

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Employer/Insurance Carrier Information

Insurance Coverage Requirements

All NJ employers, not covered by Federal programs, must have workers’ compensation coverage or be approved for self-insurance. Even out-of-state employers may need workers’ compensation coverage if a contract of employment is entered into in NJ or if work is performed in NJ. For further details, please visit the WC Insurance page.

Guidelines for Employers

POSTING NOTICE
The law requires every employer to post and maintain in a conspicuous place or places in and about the worksite, a form prescribed by the Commissioner of the Department of Banking and Insurance, stating that the employer has secured WC insurance coverage or has qualified with the Department of Banking and Insurance as a self-insured employer.

For insured employers, the notice must include the name of the insurance carrier and other items as required by the Department of Banking and Insurance. To obtain copies of this notice, employers should contact their insurer.

ESTABLISH CLEAR PROCEDURES FOR EMPLOYEES AND MANAGERS

At the time of hire and periodically thereafter, employees should be provided the following information:

An explanation of their WC coverage and benefits
How, when and to whom to report an injury
Where to go for medical treatment if injured while working

The Division has a general brochure on workers’ compensation available for injured workers, called “A Worker’s Guide to Workers’ Compensation”. The pamphlet is available in English and Spanish.

A similar guide is available for employers, called "An Employer's Guide to Workers' Compensation in New Jersey".

Insurance Carrier Contacts

Recent amendments to the workers’ compensation law require that all insurance carriers and self-insurers designate an individual who can research and respond to issues concerning medical and temporary disability benefits, where no claim petition has been filed or where a claim petition has not been answered. Failure to comply shall result in a fine of $2,500 for each day of noncompliance, payable to the Second Injury Fund.

In order to comply with this law, please complete and submit this form. Completion of this new form is required even if this information was provided to the Division in the past.

Preview the current list of insurance contacts.

Reporting Work Accidents and Occupational Exposures

When an employer receives notice about a work-related accident or occupational exposure, they should notify their insurance carrier or third party administrator (TPA) immediately so that a First Report of Injury form can be electronically filed with the State of New Jersey.

Within 26 weeks after the worker has reached maximum medical improvement or has returned to work, a second report, called a Subsequent Report of Injury, must be electronically filed with the State. More information

When there's a dispute...

In cases of dispute over entitlement to benefits, a worker may file either a formal Claim Petition or an Application for an Informal Hearing with the Division of Workers' Compensation. Issues may include compensability of the claim, the type and extent of medical treatment, and/or the payment of temporary and permanent disability benefits. More Info

Other programs of interest to employers/carriers

Electronic Court Calendar Notices

Access to COURTS on-line - the Division's on-line case database on the Internet

E-Mail Alerts for new WC decisions