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WORKERS' COMP · NEW JERSEY

Workers' comp in New Jersey.

New Jersey requires workers' comp from the first employee. New Jersey's own rating bureau publishes its own manual; most numbers match NCCI's. You buy coverage from carriers.

REQUIRED
From the first employee
RATING BUREAU
NJCRIB
CLASS CODES
Own manual, mostly NCCI numbers
BUY FROM
Carriers
WHO MUST CARRY IT

Required from the first employee.

The rule

New Jersey requires workers' comp from the first employee.

Source: NJDOL Division of Workers' Compensation, Employer Requirements, checked October 5, 2026.

Coverage rules: NJDOL Division of Workers' Compensation, Employer Requirements, checked October 5, 2026.

CLASS CODES HERE

New Jersey's own rating bureau publishes its own manual; most numbers match NCCI's.

Rating bureau

New Jersey has its own rating bureau, the Compensation Rating & Inspection Bureau of New Jersey (NJCRIB).

Compensation Rating & Inspection Bureau of New Jersey (NJCRIB)

Class system

Its own manual; most codes on our pages are in it under NCCI's numbers.

Manual: New Jersey Rate & Classification Handbook, numerical order, effective January 1, 2026 (extract of the NJ Manual)

Codes on our pages

Most codes on our pages are in New Jersey's list; the exceptions are below.

All class codes, by industry

Numbered or scoped differently

In New Jersey's list

List: NJCRIB, New Jersey Rate & Classification Handbook, numerical order, effective January 1, 2026, checked October 5, 2026.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages that are in New Jersey's list. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in New Jersey?
Yes. New Jersey requires workers' comp from the first employee.
Who sets class codes in New Jersey?
New Jersey's own rating bureau, the Compensation Rating & Inspection Bureau of New Jersey (NJCRIB). Its own manual; most codes on our pages are in it under NCCI's numbers. An advisor confirms your class codes.
Is Worklio Insurance licensed in New Jersey?
Worklio Insurance Services LLC's producer is licensed in New Jersey, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of October 5, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in New JerseyEmployer payroll tax rates, on Worklio HCM.

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