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General Information About Workers’ Comp Insurance

It is the employer’s responsibility to all employees to make the workplace safe. Accidents do, however, happen, even when all safety precautions are taken.

New Jersey requires Workers’ Compensation Insurance. When workplace accidents happen this policy may protect employers from lawsuits. Workers’ Comp Insurance provides medical care and compensation for lost wages for employees hurt at work. It can cover employees hurt on the premises or elsewhere. Employees in a car accident while on business could also be covered. Work related illnesses may be covered in this policy. This policy will also provide death benefits to surviving spouses and dependents.

The J. Byrne Agency can provide an explanation of all coverages so you can make an informed decision on the plan that is right for your business.

Annual Review
At J Byrne, we strongly recommend you review your insurance coverage at least once a year. Your driving habits or living situations may have changed.  Or, maybe you’ve made a few major purchases throughout the year that should have extra coverage.  Inflation or depreciation can affect the value of your properties and their contents.  Call J Byrne now to review, renew or establish your customized insurance policy that fits your world.