Fair Lawn, NJ asked in Business Law, Employment Law and Workers' Compensation for New Jersey

Q: Do I need Workers Compensation Insurance if I have no employees in the business, except myself?.

We are family consulting microbusiness, owned by my wife (she does not do work in this business). I feel Workers Compensation Insurance is useless for us, but dont want to pay fine for not having it.

Thank you


2 Lawyer Answers
Tim Rose
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  • Workers' Compensation Lawyer
  • Pleasant Grove, UT

A: You may still be required to carry workers comp insurance. Check with the NJ Dept. of Labor and Workforce Development based on what type of work entity you have created.

"Sole Proprietorship – All sole proprietorships operating in

New Jersey must maintain workers’ compensation insurance

or be approved for self-insurance so long as any one or more

individuals, excluding the principal owner, performs services

for the business for prior, current or anticipated financial

consideration." Since you say the business is owned by your wife, if anyone else does work, you must carry workers comp insurance.

H. Scott Aalsberg
H. Scott Aalsberg
  • East Brunswick, NJ
  • Licensed in New Jersey

A: Generally yes, but since we don't know anything about your business it would be impossible to give you a certain yes or no answer

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