Workers’ Compensation Insurance

Workers’ compensation provides benefits for eligible work-related injuries and occupational illnesses. New Jersey benefits can include medical treatment, wage replacement, permanent disability benefits, and benefits for dependents following a work-related death.

Review Your Business Requirements

Coverage obligations depend on your business structure and workforce. Do not assume that a small business, a family business, or a business using subcontractors is automatically exempt. Review your situation and any contract requirements before work begins.

Information to Have Ready

• Your business activities and locations.
• Employee duties and estimated payroll by type of work.
• Information about owners, officers, and subcontractors.
• Current coverage and any available claims history.

These details help make the discussion specific to your operation. Ask how changes in staffing or payroll should be reported and what records to keep for a premium audit.

If an Employee Is Injured

Report workplace injuries promptly and follow the insurer’s claim instructions. For an explanation of benefits and the New Jersey process, visit the New Jersey Division of Workers’ Compensation.

Talk With Milber Multi Services

Tell us about your needs and ask for a coverage review. Call 908-603-7500 or contact our Oradell office.