How to Get Workers’ Comp Proof of Coverage in New Jersey

Having proof of the fact that your company has Workers’ Compensation is important for various reasons. Fortunately, getting proof of Workers’ Compensation coverage is a relatively easy process in New Jersey.

You can get Workers’ Compensation insurance proof by contacting your carrier in New Jersey. If your company is self-insured, you will need to contact the Commissioner of Banking and Insurance to get proof of coverage. You might need to provide proof of insurance when hiring a new employee or seeking the business of a possible client. The New Jersey Treasury, Division of Revenue and Enterprise Services (DORES) also requires companies to include proof of Workers’ Compensation insurance in their annual reports.

Contact NPN Brokers by calling (561) 990-3022, and start the process of getting a quote from our New Jersey Workers’ Compensation insurance brokers today.

How Can You Get Proof of Workers’ Comp Coverage in New Jersey?

Having a copy of your company’s proof of Workers’ Compensation insurance is a good idea. If you don’t have a copy that is easily accessible, you can get one by contacting your carrier.

Proof of Workers’ Compensation generally comes in the form of a letter or other piece of documentation from a carrier that includes the carrier’s name, the company’s policy number, and the date the coverage began. You can get this documentation from your carrier by reaching out to them directly. When our New Jersey Workers’ Compensation insurance brokers match your company with a policy, you will get proof of coverage once you sign on. If you have since misplaced your copy, our brokers can contact your carrier to get another one.

If you are self-insured, getting proof of Workers’ Compensation might be a bit more involved. In that case, you must contact the New Jersey Department of Banking and Insurance to get a copy of the current order authorizing your company to be self-insured. According to N.J.S.A. § 34:15-79.1, no other forms of documentation than the ones mentioned above are considered valid proof of a company’s Workers’ Compensation insurance in New Jersey.

Your carrier should be able to give you proof of insurance relatively quickly if you need it right away to avoid penalties for non-compliance. You can make it a practice to get updated proof of insurance annually so that you have it on hand should you need to produce it to confirm the fact that your company has Workers’ Compensation insurance in New Jersey.

Why Might You Need Proof of Workers’ Comp Coverage in New Jersey?

There are several reasons why your company might need to be able to present valid proof of Workers’ Compensation at a moment’s notice in New Jersey. These situations include if your company wants to hire a new employee, wants to get a contract with a prospective client, is contesting a report of non-compliance, or is submitting an annual report to the New Jersey Treasury, Division of Revenue and Enterprise Services.

When Hiring an Employee

Often, employees want to know that their employers are complying with important mandates in New Jersey, such as needing Workers’ Compensation coverage. This is because filing a Workers’ Compensation claim is typically much easier in terms of seeking compensation than filing a lawsuit is. A prospective employee might request to see proof of insurance so that they know your company has the necessary Workers’ Compensation coverage to protect them in case of a work-related accident in New Jersey.

When Working with a Client

Though independent contractors do not need Workers’ Compensation by law in New Jersey, they can get it to protect themselves in the event of a workplace injury. Independent contractors typically work with clients to provide a service. Especially if you or your company is preparing to do work in a client’s home, it is important that you are able to provide proof of Workers’ Compensation coverage in New Jersey. Otherwise, a prospective client might feel uncomfortable hiring you or your company to provide a service for them out of concern that they will be financially responsible for any possible injuries sustained on their property.

When Contesting a Report of Non-Compliance

Unfortunately, there are cases of fraudulent reports of non-compliance against employers in New Jersey. A worker might wrongly assume that you do not have coverage or wish to recover greater compensation in a lawsuit. Because Workers’ Compensation is the sole remedy for injured workers, an employee might report an employer for non-compliance, even if they have insurance. The longer it takes your company to contest a report of non-compliance and produce proof of insurance documentation, the more confusing and frustrating the process might become. Fortunately, your company should be able to avoid any unnecessary fines or other consequences if it does indeed have the necessary Workers’ Compensation insurance coverage in New Jersey and is able to prove that it does.

When Submitting an Annual Report

Most businesses are required to submit an annual report to the New Jersey Treasury, Division of Revenue and Enterprise Services. These reports notify the DORES of any important changes to a company, including information that the DORES can use to confirm whether or not a company is in compliance with certain New Jersey mandates. The DORES requires companies to include proof of Workers’ Compensation insurance within an annual report. This means you must send an updated letter from your carrier to the DORES annually to avoid any financial consequences or other penalties for non-compliance in New Jersey. You might be fined or otherwise penalized if you fail to include proof of insurance within your company’s annual report. If you’ve recently changed your carrier, you should inform the DORES immediately to avoid confusion.

Get Workers’ Comp in New Jersey

Call (561) 990-3022 to speak with the New Jersey Workers’ Compensation insurance brokers from NPN Brokers today.