Small-business cover in New Jersey.
Workers’ comp threshold in New Jersey: Required for all employers with one or more employees (all New Jersey employers not covered by federal programs)[S].
Updated 2026-05-16 · Beaconcover editorialThe short answer: In New Jersey, workers' compensation is required for all employers with one or more employees (all New Jersey employers not covered by federal programs). Most clients and licenses also ask for general liability before you can take a job.
What does New Jersey require?
Required for all employers with one or more employees (all New Jersey employers not covered by federal programs)[C]
Workers' compensation is broadly mandatory for all NJ employers under the New Jersey Workers' Compensation Act, including corporations with any employee (including corporate officers), partnerships and LLCs with non-partner/non-member employees, and sole proprietorships with any employees. Home-improvement contractors must register with the Division of Consumer Affairs. Regulated by the New Jersey Department of Labor and Workforce Development.
What licensing and bonding does New Jersey require?
- Home Improvement Contractor registration is required statewide