Locations: Florham Park, NJ and Marysville, PA

New Jersey Workers Compensation Quoting Calculator

Here is a calculator for New Jersey, NJ common contractors classifications using 2018 rates. After rating please contact this agency if you have any questions or if you wish to purchase a policy. If you currently have a policy and are looking for a lower premium you MUST PROVIDE A COPY OF YOUR CURRENT POLICY for our review. That’s the easiest way that we can analyze it. Please call 973-377-6100.

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We may be able to save you up to 25% off the “standard” rate or up to 45% off the “plan” rate.


CALL US AT 973-377-6100, or complete our  WC Contact Form


Workers compensation is written through two markets.

Standard Market

Standard market is where the broker / agent provides an application directly to an insurance company and they accept and write the policy. We have a really good market and can take most contractors out of the NJ WC Plan and save the customer at least 20%. As stated above, if there is an existing policy and claims history has been good, we probably can write the policy directly. There are many times where a credit (discount) of 5%, 10% or even 15% can be provided. There is no harm in trying.

New Jersey Workers Compensation Plan

What happens when the standard market insurance company will not write a policy. The agent / broker applies through the The New Jersey Workers Compensation Insurance Plan. Since workers compensation in New Jersey is mandatory for all employers, they will assign a company to write a policy. There is a 20% extra charge on the policy. The NJ WC Plan will review the application to see past history and to see if there is any money owed on a WC policy from the past. If there is, then that premium must be paid prior to any insurance company writing a policy. Please inform us if there is past money due.

Back to Main Information Page of Workers Compensation

Who Must be Insured by Workers Compensation in NJ?

Employers Guide to Workers Compensation in NJ

Link to NJ Department of Labor Website

Questions and Answers about Workers Compensation