[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/blinsuranceadvisors.com\/2022\/10\/23\/keeping-your-business-and-employees-safe-with-workers-comp-insurance\/#BlogPosting","mainEntityOfPage":"https:\/\/blinsuranceadvisors.com\/2022\/10\/23\/keeping-your-business-and-employees-safe-with-workers-comp-insurance\/","headline":"Keeping your Business and Employees Safe with Workers’ Comp Insurance","name":"Keeping your Business and Employees Safe with Workers’ Comp Insurance","description":"Workers\u2019 Compensation Insurance is invaluable to New Jersey employees and employers alike. For employees, it provides coverage for all work-related injuries and illnesses; for employers, it allows business owners to offer comprehensive insurance for work injuries while protecting their interests. All New Jersey businesses, except those covered by federal programs, are legally required to carry...","datePublished":"2022-10-23","dateModified":"2025-07-07","author":{"@type":"Person","@id":"https:\/\/blinsuranceadvisors.com\/author\/elio\/#Person","name":"Elio Vecchiarelli","url":"https:\/\/blinsuranceadvisors.com\/author\/elio\/","identifier":6,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c35da080c419503e03feba5465f40e1c34461e8828c512527e237a9019be5b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c35da080c419503e03feba5465f40e1c34461e8828c512527e237a9019be5b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Blue Lion Insurance Advisors","logo":{"@type":"ImageObject","@id":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/blue-lion-logo.png","url":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2020\/04\/blue-lion-logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2022\/12\/iStock-579746518-e1686074332916.jpg","url":"https:\/\/blinsuranceadvisors.com\/wp-content\/uploads\/2022\/12\/iStock-579746518-e1686074332916.jpg","height":387,"width":903},"url":"https:\/\/blinsuranceadvisors.com\/2022\/10\/23\/keeping-your-business-and-employees-safe-with-workers-comp-insurance\/","about":["Business Insurance"],"wordCount":591,"articleBody":"Workers\u2019 Compensation Insurance is invaluable to New Jersey employees and employers alike. For employees, it provides coverage for all work-related injuries and illnesses; for employers, it allows business owners to offer comprehensive insurance for work injuries while protecting their interests.All New Jersey businesses, except those covered by federal programs, are legally required to carry Workers\u2019 Compensation Insurance, although partnerships and limited liability companies (LLCs) are permitted to self-insure.Because Workers\u2019 Comp Insurance plays can help keep your business humming, it is critical to work with a knowledgeable broker so that you purchase the policy best suited to your business\u2019s needs and budget. In New Jersey, contact Blue Lion Insurance Advisors at (732) 649-1600 or online for excellent service.\u00a0We offer two benefits to our clients. First, we deal solely with Commercial Insurance, so we are well-informed in this field. Also, we owe no allegiance to any insurance provider, so we are free to make your needs our top priority.Why Workers\u2019 Comp Insurance Is EssentialWhile there is a tendency to associate workplace accidents with construction, demolition, electrical work, or other risky businesses, the fact is that employees can be injured in any workplace at any time. Employees suffer injuries every day in restaurants, executive offices, department stores, professional practices, and shoe stores, and their employers have to be prepared to cover their medical bills and other related expenses.Employees deserve compensation to help them cope with their medical bills, lost income, and other injury-related expenses. But employers need protection from the high cost of such compensation. Workers\u2019 Comp Insurance provides both.\u00a0For the purchase price of a Workers\u2019 Comp policy, you can receive the peace of mind that comes from knowing that your employee will be taken care of and you will not (except in extreme cases) be the target of a lawsuit that might lead your business into bankruptcy.Types of Accidents Workers\u2019 Comp CoversSome injuries are specifically related to a job-related task, e.g. a butcher\u2019s serious cut while slicing meat. Nonetheless, any employee can suffer one of the following at their workplace:Fracture or head injury due to a slip and fallMuscular injury due to overexertion or overreachingRepetitive stress\u00a0Exposure to hazardous substances\u00a0Illness caused by poor ventilation, mold, rodent infestationVehicular accidents during travel for work\u00a0Burns from fire or explosionDisability as a result of an intentional attack\u00a0Our dedicated insurance advisors will ask you the right questions so that your insurer provides the appropriate Workers\u2019 Compensation Insurance.How Workers\u2019 Compensation Keeps Your Employees & Your Business SafeNew Jersey Workers\u2019 Comp Insurance keeps your employees safe by:Paying all related medical and rehabilitation costsPaying 70 percent of their weekly wages (after the first week)Paying temporary or permanent disability benefits if the employee is eligiblePaying death benefits to the surviving family membersNot requiring them to prove fault to receive benefitsMaking each employee eligible for benefits immediately on Day 1At the same time, New Jersey Workers\u2019 Comp Insurance keeps your business safe by preventing the injured employee from suing your company, except in cases of extreme negligence, recklessness, or direct assault. You should know that workers\u2019 comp does not cover independent contractors, interns, and volunteers.Contact Our Skilled New Jersey Workers\u2019 Comp Insurance Advisors TodayAt Blue Lion Insurance Advisors, we have the experience to help your company find the optimal Workers\u2019 Compensation Insurance policy. Contact us now to discuss your options. We will work to ensure that your Workers\u2019 Comp Insurance policy is Blue Lion Strong\u2122."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2022","item":"https:\/\/blinsuranceadvisors.com\/2022\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"10","item":"https:\/\/blinsuranceadvisors.com\/2022\/\/10\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"23","item":"https:\/\/blinsuranceadvisors.com\/2022\/\/10\/\/23\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Keeping your Business and Employees Safe with Workers’ Comp Insurance","item":"https:\/\/blinsuranceadvisors.com\/2022\/10\/23\/keeping-your-business-and-employees-safe-with-workers-comp-insurance\/#breadcrumbitem"}]}]