New Jersey Workers’ Compensation Insurance

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NJM Has Provided Safety-Focused Insurance for 100+ Years

An on-the-job injury may involve more than just lost time for a worker. It can also include medical care expenses, prescriptions, and lost pay from work. Discover why NJM is a leading workers' compensation insurance provider in New Jersey.

Is Your Business Located in New Jersey?

Connect with our select network of independent agents, or purchase a policy directly through NJM. Depending on your business's unique characteristics, you could benefit by using an agent to apply for NJM Business Insurance.

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Who Needs Workers' Compensation Insurance?

In the state of New Jersey, most companies are required to have workers' compensation insurance. That includes corporations and LLCs with employees, as well as some partnerships. This is to ensure that employees who are injured on the job are covered for lost wages, medical expenses, or benefits payable to the employee's family in the event an injury results in death.

In New Jersey, Workers' Compensation covers:

  • Necessary and reasonable medical treatment
  • Ongoing medical care costs
  • Lost wages resulting from a temporary disability
  • Death benefits
  • Compensation for a permanent partial or total disability

How Much Is Workers' Compensation Insurance?

Workers' compensation insurance premiums are calculated based on three primary factors: job classifications, annual payroll, and previous claim activity and experience. For example, a company whose employees perform work with a high risk of injury will pay more in workers' compensation insurance than one whose employees perform mainly desk work.

Controlling Costs

We believe that superior customer service requires more than just handling claims. For more than 100 years, NJM has helped its customers control their workers’ compensation costs.

Loss Prevention

NJM provides many resources to complement your business’s safety efforts. Learn more.

Medical Utilization Department

Our in-house nurses and healthcare professionals provide managed care services. As a result, our average medical cost per claim in New Jersey is 33% below the State average. Learn more.

Vigilance Against Fraud

Through detection and investigation of fraudulent claims, NJM’s Special Investigations Unit (SIU) has supported the payment of legitimate claims for more than 50 years. Learn more.


We’ve made dividend payments to our customers — not stockholders — every year since 1918. Learn more.

Protecting Your Interests

Our in-house New Jersey attorneys work diligently to defend and resolve legal actions. The legal team can also provide guidance on claims filed outside of New Jersey.

Tailored to Your Industry

NJM Workers' Compensation Insurance can benefit businesses in these industries:

  • Auto Operations
  • Contracting and Installation
  • Country Club Operations
  • Courier Services
  • Entertainment (Party Supply and Video/Photography)
  • Healthcare
  • Manufacturers (Mechanical and Chemical)
  • Offices
  • Professional and Technical Services
  • Real Estate
  • Religious Institutions
  • Restaurants
  • Retail and Wholesale
  • Services
  • Schools and Universities
  • Transportation
  • Utilities

Safety First

Companies that diligently identify, correct, and prevent safety problems can reasonably expect fewer on-the-job accidents and injuries. Fewer accidents and injuries benefit customers, workers, and business owners, and help control the cost of insurance.

Loss Prevention

NJM’s loss prevention initiatives emphasize safety in all aspects of business. As part of our commitment to safety, we offer customers tools to help complement their own loss prevention efforts. Learn more.

Streaming Video
Video Training Library

NJM policyholders can access online training videos 24/7.

Loss Prevention
Safety Materials

Request safety posters and brochures for your workplace.

Safety Presentations

NJM’s experienced professionals can conduct presentations to improve your employees’ safety awareness.

Safety Links

These trusted resources conduct industry-specific training, assistance, and research.

NJM Precision Pay

NJM Precision Pay offers policyholders a “pay as-you-go” workers’ compensation solution.* The program enables businesses to pay their premiums based on actual payroll, rather than estimates. Learn more.

Workers’ Compensation Claims

We provide a comprehensive and seamless approach to claims management along with quality, cost-effective medical treatment for injured workers.

Access Your Policy Online

As an NJM customer or agent, you can report a Workers’ Compensation insurance claim online and view the history of the amount of medical and indemnity benefits paid by NJM, including costs for treatment. Learn more.

Managed Care Services

We offer a full complement of managed care services. Learn more or search for providers in your area.

No Out-of-Pocket Pharmacy Expenses

Our pharmacy benefit program covers the cost of prescriptions for employees with no out-of-pocket expense. The program is accepted by most major pharmacy chains. Learn more.

Support for Injured Workers

Are you an injured worker with questions about your benefits? View our Frequently Asked Questions.

Why NJM?

Good Student Discount

A+ (Superior) rating by AM Best with a Financial Size Category of XV.

Woman With Headset Icon

Superior customer service and seamless claims handling.


An enduring commitment to safety that can be traced back 100 years.

Founded in 1913, NJM operates in a mutual fashion for the exclusive benefit of its policyholders. NJM offers workers’ compensation, commercial auto, ProPack Commercial Package Policy (CPP), ProEdge Businessowners Policy (BOP), and commercial excess and umbrella coverage. For more information on NJM’s business insurance products, contact your agent or call 1-800-232-6600.

† Percentage savings based on the latest New Jersey Compensation Rating & Inspection Bureau data detailing statewide averages over a five-year period.

║ With respect to dividend advertisements, NJM shares positive financial results with its policyholders in the form of dividends. For this reason, the payment of a dividend is not guaranteed. Dividends are not paid on all policy forms or in every state in which NJM operates.

* NJM has partnered with a third party to provide the NJM Precision Pay program. Enrollment and participation in the program may be subject to our third-party partner's terms, conditions, and fees.

The information contained on this page should not be construed as legal, financial or insurance advice. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy; the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.