If you’re a business owner in New Jersey, it’s important to ensure your employees are protected in case of workplace injuries or illnesses. Workers’ compensation insurance can provide that protection, covering medical expenses, lost wages, and more.
However, finding the right workers’ compensation insurance policy can be overwhelming, with many options available.
In this article, we’ll discuss the top-rated workers’ compensation insurance options in New Jersey, along with their pros and cons, websites, and “get a quote” CTAs.
How to Buy Workers Comp Insurance in NJ?
Before diving into the top-rated options, it’s important to understand how to buy workers’ compensation insurance in NJ.
Firstly, you need to obtain a quote from multiple insurers to compare prices and coverage options. Once you’ve selected a provider, you’ll need to fill out an application, provide payroll records, and pay the premium.
The premium is based on the type of work, number of employees, and payroll amount. After the policy is in place, you need to post the certificate of insurance in your workplace and inform your employees about the coverage.
7 Top Rated Workers Compensation Insurance New Jersey:
1. Pie Insurance:
Pie Insurance is a top-rated workers’ compensation insurance provider in New Jersey that allows you to save up to 30% in minutes.
Its easy-to-use online platform provides quick quotes, simple applications, and flexible payment options. Plus, they offer dedicated customer service to help you with any questions or concerns.
Pros:
- Quick and easy online application
- Up to 30% savings
- Flexible payment options
- Great customer service
Cons:
- Limited coverage options
Get a Quote: Click “Get a Quote” on their website to get started.
2. biBERK
Workers Comp: biBERK Workers Comp is another top-rated workers’ compensation insurance provider in New Jersey that allows you to save up to 20% on your business insurance.
Its online platform provides quick quotes, simple applications, and immediate coverage. Plus, they offer expert guidance to help you choose the right policy for your business.
Pros:
- Quick and easy online application
- Up to 20% savings
- Immediate coverage
- Expert guidance
Cons:
- Limited coverage options
Get a Quote: Click “Get a Quote” on their website to get started.
3. Three insurance by Berkshire Hathaway:
Three Insurance by Berkshire Hathaway is a top-rated workers’ compensation insurance provider in New Jersey that offers a single policy to cover workers’ compensation, general liability, and commercial auto insurance.
This all-in-one policy provides comprehensive coverage, simplifying the insurance process for business owners.
Pros:
- Comprehensive coverage
- Simplified insurance process
- Competitive pricing
Cons:
- Limited availability in some states
Get a Quote: Click “Get a Quote” on their website to get started.
4. Tivly Insurance:
Tivly Insurance is a top-rated workers’ compensation insurance provider in New Jersey that specializes in finding the best rates for their clients.
They work with multiple carriers to provide competitive pricing and customized policies that fit the unique needs of each business.
Pros:
- Personalized policies
- Competitive pricing
- Expert guidance
Cons:
- Limited availability in some states
Get a Quote: Click “Get a Quote” on their website to get started.
5. Coverwallet Workers Comp:
Coverwallet Workers Comp is a top-rated workers’ compensation insurance provider in New Jersey that allows you tocompare rates from over 10 top carriers.
Their online platform makes it easy to get multiple quotes, customize your policy, and purchase coverage in minutes. Plus, they offer expert advice to help you choose the right coverage for your business.
Pros:
- Easy comparison of multiple carriers
- Quick and easy online application
- Expert advice
Cons:
- Limited coverage options
Get a Quote: Click “Get a Quote” on Coverwallet Workers Comp link on their website to get started.
6. The Hartford:
The Hartford is a top-rated workers’ compensation insurance provider in New Jersey that offers great coverage in minutes with just a few clicks.
Their online platform provides quick quotes, simple applications, and flexible payment options. Plus, they offer excellent customer service to help you with any questions or concerns.
Pros:
- Quick and easy online application
- Flexible payment options
- Great customer service
Cons:
- Limited coverage options
Get a Quote: Click “Quote Today” on the Hartford website to get started.
7. Cerity Workers Comp:
Cerity Workers Comp is a top-rated workers’ compensation insurance provider in New Jersey that offers small-business-friendly policies starting as low as $20/month.
Their online platform provides quick quotes, simple applications, and immediate coverage. Plus, they offer excellent customer service to help you with any questions or concerns.
Pros:
- Affordable policies
- Quick and easy online application
- Immediate coverage
- Great customer service
Cons:
- Limited coverage options
Get a Quote: Click “Get Instant Quote” on Cerity Workers Comp website link to get started.
Conclusion:
As a business owner in New Jersey, finding the right workers’ compensation insurance policy is crucial to protecting your employees and your business.
The top-rated providers listed above offer quick and easy online applications, flexible payment options, and expert guidance to help you choose the right policy for your needs.
Consider obtaining quotes from multiple providers to compare coverage options and pricing, and make an informed decision that best suits your business.
