Workers Comp Rates in New Jersey (NJ)
New Jersey workers comp rates are approximately 28% above the national average. Here's what New Jersey business owners need to know about classification and premiums.
1.28x
State Rate Modifier
28%
Above National Average
New Jersey Workers Comp Overview
New Jersey has mandatory coverage and above-average rates. The state uses NCCI classifications with NJ-specific modifiers. High population density means competitive markets but also higher claim frequency.
How New Jersey Rates Compare
With a state modifier of 1.28x, a business in New Jersey paying $10,000 in base premium nationally would pay approximately $12,800 in NJ. This makes proper classification even more important in high-rate states like New Jersey — every misclassified employee costs more.
The most impactful thing a New Jersey business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In NJ, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.
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Check My Premium \u2192This guide is for informational purposes only and is not insurance advice. New Jersey rates and requirements are subject to change.