Who Is Covered By Workers Compensation Insurance?

Employees of a business are covered by Workers Compensation Insurance. Employers must have this insurance in place, but it only covers employees who become ill or are injured while at work. If you are injured or become sick while not at work you most likely are not covered. Independent contractors are not covered by Workers Compensation Insurance provided by an employer. This insurance must be purchased by the independent contractor.

Bogle Agency Insurance offers NJ Workers Compensation Insurance to businesses and independent contractors. We have been providing this insurance coverage in New Jersey for over 100 years. We are located in Bergen County NJ and serve the Bergen County community and most of northern and central NJ.

Workers Compensation Insurance Is Required

Any business in New Jersey with more than one employee has to have Workers Compensation Insurance in place. In general, all part and full-time employees are covered by Workers Compensation Insurance. Self-employed individuals must purchase Workers Compensation on their own. This type of insurance provides lost wages recovery when you are unable to work because of an injury or illness that happened while you were at work. As an employee, if your job requires that you work in a dangerous environment, make sure that your employer has Workers Compensation Insurance.

Professional Advice Is Always Helpful

Bogle Agency Insurance offers guidance for a complete list of insurance options for NJ business owners and their employees. We seek to lead you toward the insurance coverage needed to operate a business in NJ, and to live and work in NJ. With professional help you will have a safer and more well-informed workplace experience. If you have questions regarding Workers Compensation Insurance as an employer or employee, call us at (201) 939-1076 to speak with a qualified insurance professional.