Business Insurance in New Jersey
New Jersey requires workers' comp for 1+ employees. GL minimum is $500,000. Find the right coverage for your industry.
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🏆A+ AM Best Rated (Munich Re)🏢750,000+ Businesses Insured⚡Get a Quote in 10 Minutes📄Instant Certificate of Insurance🕐24/7 Online Policy Management
Insurance Requirements in New Jersey
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Workers Comp
Required for 1+ employees
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GL Minimum
$500,000 per occurrence (typical)
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Key Requirement
Workers comp mandatory
New Jersey-Specific Requirements
- ✓Workers comp mandatory
- ✓NJ HIC registration for home improvement
- ✓High-cost insurance market
Insurance by Industry in New Jersey
Every industry has unique risk factors in New Jersey. Find your industry below.
🏗️General Contractor🍽️Restaurant🧹Cleaning Services🌿Landscaping & Lawn Care⚡Electrical Contractor🔧Plumbing Contractor❄️HVAC Contractor🏠Roofing Contractor🛠️Handyman Services✂️Hair Salon & Barbershop🏋️Personal Trainer🔩Auto Repair Shop🧒Daycare & Childcare🛍️Retail Store💼Consulting Firm📷Photography & Videography🏡Real Estate Brokerage🏭Manufacturing👷Construction🚗Car Wash Business🐾Veterinary Practice🛒Grocery Store & Supermarket📐Architecture Firm👕Laundromat & Coin Laundry💍Jewelry Store👗Clothing & Apparel Store🔧Auto Parts Store🛋️Furniture Store & Showroom💒Wedding Planner & Event Coordinator🖼️Interior Design Firm🏗️Drywall Contractor🧱Concrete Contractor🛣️Paving & Asphalt Contractor🚧Excavation & Grading Contractor🔲Tile & Stone Flooring Contractor🏠Insulation Contractor🏡Siding Contractor💧Waterproofing Contractor🛢️Oil Change Station🔄Tire Shop🪟Glazier (Glass Installation)🏗️Fence Installation Contractor🏚️Plastering & Stucco Contractor🪧Sign Installation Contractor🗑️Debris Removal & Hauling🚛Septic Tank Cleaning & Service🔨Home Renovation Contractor📈Financial Advisor🏘️Real Estate Investor🏠Real Estate Appraiser🔍Private Investigator🌉Civil Engineer📐Land Surveyor📋Insurance Claims Appraiser🔧Hardware Store📱Electronics Store💍Pawn Shop
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Business Insurance FAQs — New Jersey
Yes. New Jersey requires workers' comp for 1+ employees. Non-compliance can result in fines, stop-work orders, and personal liability for employee injury lawsuits.