What happens if I skip workers’ compensation in New Jersey? 

Penalties reach $5,000 for the first ten days without coverage and up to $5,000 for each ten-day period after that. Willful violations are a fourth-degree crime. Owners, partners, and LLC members become personally liable for an injured worker’s benefits, enforceable against personal assets. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.