{"id":349,"date":"2025-06-30T20:11:41","date_gmt":"2025-06-30T20:11:41","guid":{"rendered":"https:\/\/lancobrokerage.com\/staging\/1625\/?page_id=349"},"modified":"2026-03-24T22:27:31","modified_gmt":"2026-03-24T22:27:31","slug":"workers-compensation-new-york-and-new-jersey","status":"publish","type":"page","link":"https:\/\/lancobrokerage.com\/es\/workers-compensation-new-york-and-new-jersey\/","title":{"rendered":"Workers&#8217; Compensation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"349\" class=\"elementor elementor-349\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21028a9 no-lazy elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21028a9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1165655\" data-id=\"1165655\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0d63e0 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"f0d63e0\" data-element_type=\"widget\" data-e-type=\"widget\" fetchpriority=\"high\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"182\" src=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-1-e1763135633712-1-1024x182.jpg\" class=\"attachment-large size-large wp-image-401\" alt=\"Construction worker covered by workers compensation.\" srcset=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-1-e1763135633712-1-1024x182.jpg 1024w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-1-e1763135633712-1-300x53.jpg 300w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-1-e1763135633712-1-768x137.jpg 768w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-1-e1763135633712-1-18x3.jpg 18w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-1-e1763135633712-1.jpg 1350w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e9028e elementor-widget elementor-widget-heading\" data-id=\"4e9028e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Workers' Compensation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8ba0a37 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ba0a37\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67c403d\" data-id=\"67c403d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-48f0014 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48f0014\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-83fc415\" data-id=\"83fc415\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09c9838 elementor-widget elementor-widget-sina_title\" data-id=\"09c9838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h2 class=\"sina-title-subtitle\">Why do I need Workers' Comp?<\/h2>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd0334e\" data-id=\"fd0334e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bc0c32 elementor-widget elementor-widget-text-editor\" data-id=\"6bc0c32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether you\u2019re running a construction crew in Queens, a deli with one employee in the Bronx, or a restaurant in Hoboken, workers\u2019 compensation is essential. It\u2019s about more than just meeting legal obligations \u2014 it helps you take care of your employees and your bottom line.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-561ecd8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"561ecd8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b04b7d7\" data-id=\"b04b7d7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64c1138 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"64c1138\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7dc426 elementor-widget elementor-widget-sina_title\" data-id=\"d7dc426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h2 class=\"sina-title-subtitle\">What risks Do Workers' Compensation Policies cover?<\/h2>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-889c8d1 elementor-widget elementor-widget-text-editor\" data-id=\"889c8d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Workers\u2019 compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation when employees injure themselves on the job or develop work-related illnesses. It also protects your business from potential lawsuits stemming from those injuries. In both New York and New Jersey, this insurance is not just a smart safeguard \u2014 it\u2019s legally required in most cases.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-27c4a68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27c4a68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d5afda4\" data-id=\"d5afda4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b73d608 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b73d608\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covers medical bills, hospital visits, and rehab after workplace injuries<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Provides wage replacement during an employee's recovery period<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Shields your business from most employee injury-related lawsuits<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e7f16d0\" data-id=\"e7f16d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68157c7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"68157c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Supports a safe, compliant, and employee-focused work environment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covers stress injuries, illnesses, and accidents stemming from work<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Required by law in both NY and NJ, with strict enforcement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bfdab1 elementor-widget elementor-widget-image\" data-id=\"2bfdab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"266\" src=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-2-e1763135727741-1024x266.jpg\" class=\"attachment-large size-large wp-image-405\" alt=\"People working in a warehouse with workers compensation.\" srcset=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-2-e1763135727741-1024x266.jpg 1024w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-2-e1763135727741-300x78.jpg 300w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-2-e1763135727741-768x200.jpg 768w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-2-e1763135727741-18x5.jpg 18w, https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/06\/WC-2-e1763135727741.jpg 1500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a6d1b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0a6d1b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29b9b69 elementor-widget elementor-widget-sina_title\" data-id=\"29b9b69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h2 class=\"sina-title-subtitle\">Online Resources for workers' compensation in NY & NJ<\/h2>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8971b8 elementor-widget elementor-widget-text-editor\" data-id=\"c8971b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Navigating insurance requirements can be overwhelming. While we\u2019re always available to answer your questions, we also encourage you to explore official government resources for additional guidance. The <a style=\"color: #4286f4;\" href=\"https:\/\/www.wcb.ny.gov\/\" target=\"_blank\" rel=\"noopener\">NY Workers&#8217; Compensation Board <\/a>has a website with extensive online toolkits, claim forms, filing portals, employer obligations pages, and contact centers to help workers and businesses comply with the law and navigate claims. The<a style=\"color: #4286f4;\" href=\"https:\/\/www.nj.gov\/labor\/workerscompensation\/\" target=\"_blank\" rel=\"noopener\"> New Jersey Department of Labor &amp; Workforce Development<\/a> website provides similar resources specific to New Jersey.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afce6c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afce6c2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70a642a\" data-id=\"70a642a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-201f534 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"201f534\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0639ead\" data-id=\"0639ead\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88c87ac elementor-widget elementor-widget-sina_title\" data-id=\"88c87ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sina_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"sina-title\">\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\t\t\t\t<h3 class=\"sina-title-subtitle\">talk to an insurance specialist<\/h3>\t\t\t\r\n\t\t\t\t\t<\/div><!-- .sina-title -->\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b50c05d elementor-widget elementor-widget-text-editor\" data-id=\"b50c05d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Get expert guidance from licensed insurance professionals who understand your unique needs. We&#8217;re here to help you find the right coverage\u2014fast. Call us today to get started!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4d5ef24\" data-id=\"4d5ef24\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d891467 elementor-widget elementor-widget-heading\" data-id=\"d891467\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Toll Free Number<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc8fa8d elementor-widget elementor-widget-heading\" data-id=\"fc8fa8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:2127957090\">(212) 795-7090<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6b20598 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b20598\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6872840\" data-id=\"6872840\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4948e7 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b4948e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Understand Your Coverage\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-clipboard-list\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" >\n\t\t\t\t\t\t\tUnderstand Your Coverage\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAlready a client? 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Get a clear breakdown of your current coverage, exclusions, and options for updates or changes.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84b9027 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"84b9027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:%20info@lancobrokerage.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact team<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a20339a\" data-id=\"a20339a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7fac95 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c7fac95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/lancobrokerage.com\/free-insurance-quote-new-york-and-new-jersey\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Get a Competitive Quote\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-signature\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/lancobrokerage.com\/free-insurance-quote-new-york-and-new-jersey\/\" >\n\t\t\t\t\t\t\tGet a Competitive Quote\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe can help you find the right policy and potentially lower your premiums. Let us shop for you and show you what you're missing!\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c50d2f4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c50d2f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lancobrokerage.com\/free-insurance-quote-new-york-and-new-jersey\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">free quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9828d9b\" data-id=\"9828d9b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-126f4f8 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"126f4f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"make a claim\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-shield-alt\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"mailto:%20info@lancobrokerage.com\" >\n\t\t\t\t\t\t\tmake a claim\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhen the unexpected happens, our claims support team is here to guide you every step of the way. We work with you to handle your claim efficiently.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f09d02 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8f09d02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:info@lancobrokerage.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Report claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-7261c76 e-flex e-con-boxed e-con e-parent\" data-id=\"7261c76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-063bf01 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"063bf01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-182884d elementor-widget elementor-widget-heading\" data-id=\"182884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">FAQs<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c807c3a elementor-widget elementor-widget-elementskit-faq\" data-id=\"c807c3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-faq.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n                <div class=\"elementskit-single-faq elementor-repeater-item-1608d9d\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">1.) Who is covered and how do independent contractors fit into the system?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Whether an individual counts as an \u201cemployee\u201d versus an independent contractor depends on several factors. State regulators use payroll control, right to control work details, tax treatment, and industry-specific tests to ensure who is covered. Employers should not assume that labeling a worker \u201cindependent contractor\u201d removes the obligation to provide workers' compensation. State agencies and courts actively examine labels to determine the practical employment relationship. If you are an employer unsure about classification, consult your broker or counsel. Misclassification can lead to back premiums, penalties, and exposure for benefits that would have been payable to injured workers.             <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-1133179\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">2.) What does Part A (Workers\u2019 Compensation Insurance) cover?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Part A, commonly called Workers\u2019 Compensation Insurance, satisfies the employer\u2019s statutory obligation to provide the no-fault benefits an injured employee needs. Those can be medical treatment for work-related injuries and illnesses, wage replacement while unable to work, vocational rehabilitation when needed, and death benefits for eligible dependents.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-42ca5a8\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">3.) What does Part B (Employer\u2019s Liability Insurance) cover?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Part B of a workers' compensation policy, or Employer\u2019s Liability, protects the employer for legal exposures that fall outside or above the no-fault workers\u2019 compensation framework. This typically covers defense costs, judgments, and settlements when an employee sues the employer directly under tort theories such as negligence, third-party-over claims, or other common-law causes of action.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-a53c306\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">4.) What does Part C (Other States Insurance) cover and when is it relevant?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Part C of a workers' compensation policy, often called Other States Insurance, extends your policy so it covers workers in the other states specifically named on the endorsement. This matters if you send employees to work outside the state, or if an out-of-state employer sends workers into your state since those workers typically need coverage that meets your state's law. Carriers calculate premiums for multi-state exposure using the rules and rates that apply in each jurisdiction. Keep in mind that Other States endorsements do not apply to monopolistic fund states, and the exact effect depends on the endorsement language and the list of states included.            <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-e491299\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">5.) What does Part D (Duties After an Injury \/ Employer and Employee Duties) require?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Part D of a workers' compensation policy describes what employers and employees must do when an injury occurs. This includes prompt notification to the employer, seeking immediate and appropriate medical care, completing employer and carrier reporting forms, and cooperating with investigations.             <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-e4e1019\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">6.) What does Part E (Premium, Audit and Payroll Classification Provisions) govern?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Part E of a workers' compensation policy governs how premiums are calculated and adjusted. They typically link final premium to payroll and job classifications, authorizing post-policy audits to reconcile estimated and actual exposures, and allow retrospective adjustments where permitted. Accurate payroll records, correct job classifications, and prompt reporting of organizational changes are crucial to avoid surprise premium reassessments or audit charges.             <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-d6813d2\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">7.) What do the Policy Conditions (Part F \/ General Conditions) include?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Part F of a workers' compensation policy is the conditions section. It sets contract terms like notice and cancellation procedures, subrogation and recovery rights, cooperation clauses, and dispute resolution mechanics. Employers should review policy conditions with counsel or their broker to ensure the contract aligns with state statutory protections and that procedural obligations under the conditions don't conflict with mandatory state reporting and benefit rules.             <\/div>\n        <\/div>\n                <div class=\"elementskit-single-faq elementor-repeater-item-0c7f2d1\">\n            <div class=\"elementskit-faq-header\">\n                <h2 class=\"elementskit-faq-title\">8.) Are employees protected against retaliation for filing a workers\u2019 compensation claim?<\/h2>\n            <\/div>\n            <div class=\"elementskit-faq-body\">\n                Both New York and New Jersey prohibit employers from retaliating against employees for filing workers\u2019 compensation claims. Retaliatory actions such as firing, demotion, harassment, or other adverse employment decisions tied to a claim can give rise to separate discrimination or retaliation claims before the workers\u2019 compensation board or other state enforcement agencies. Remedies can include reinstatement, penalties, or back pay. Employees who believe they are being retaliated against should preserve documentation, report the conduct to the appropriate state office, and consider legal counsel because retaliation claims have their own filing rules and remedies under state law.            <\/div>\n        <\/div>\n                                <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1.) Who is covered and how do independent contractors fit into the system?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Whether an individual counts as an \u201cemployee\u201d versus an independent contractor depends on several factors. State regulators use payroll control, right to control work details, tax treatment, and industry-specific tests to ensure who is covered. Employers should not assume that labeling a worker \u201cindependent contractor\u201d removes the obligation to provide workers' compensation. State agencies and courts actively examine labels to determine the practical employment relationship. If you are an employer unsure about classification, consult your broker or counsel. Misclassification can lead to back premiums, penalties, and exposure for benefits that would have been payable to injured workers. \"}},{\"@type\":\"Question\",\"name\":\"2.) What does Part A (Workers\u2019 Compensation Insurance) cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Part A, commonly called Workers\u2019 Compensation Insurance, satisfies the employer\u2019s statutory obligation to provide the no-fault benefits an injured employee needs. Those can be medical treatment for work-related injuries and illnesses, wage replacement while unable to work, vocational rehabilitation when needed, and death benefits for eligible dependents.\"}},{\"@type\":\"Question\",\"name\":\"3.) What does Part B (Employer\u2019s Liability Insurance) cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Part B of a workers' compensation policy, or Employer\u2019s Liability, protects the employer for legal exposures that fall outside or above the no-fault workers\u2019 compensation framework. This typically covers defense costs, judgments, and settlements when an employee sues the employer directly under tort theories such as negligence, third-party-over claims, or other common-law causes of action.\"}},{\"@type\":\"Question\",\"name\":\"4.) What does Part C (Other States Insurance) cover and when is it relevant?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Part C of a workers' compensation policy, often called Other States Insurance, extends your policy so it covers workers in the other states specifically named on the endorsement. This matters if you send employees to work outside the state, or if an out-of-state employer sends workers into your state since those workers typically need coverage that meets your state's law. Carriers calculate premiums for multi-state exposure using the rules and rates that apply in each jurisdiction. 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They typically link final premium to payroll and job classifications, authorizing post-policy audits to reconcile estimated and actual exposures, and allow retrospective adjustments where permitted. Accurate payroll records, correct job classifications, and prompt reporting of organizational changes are crucial to avoid surprise premium reassessments or audit charges. \"}},{\"@type\":\"Question\",\"name\":\"7.) What do the Policy Conditions (Part F \/ General Conditions) include?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Part F of a workers' compensation policy is the conditions section. It sets contract terms like notice and cancellation procedures, subrogation and recovery rights, cooperation clauses, and dispute resolution mechanics. Employers should review policy conditions with counsel or their broker to ensure the contract aligns with state statutory protections and that procedural obligations under the conditions don't conflict with mandatory state reporting and benefit rules. \"}},{\"@type\":\"Question\",\"name\":\"8.) Are employees protected against retaliation for filing a workers\u2019 compensation claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Both New York and New Jersey prohibit employers from retaliating against employees for filing workers\u2019 compensation claims. Retaliatory actions such as firing, demotion, harassment, or other adverse employment decisions tied to a claim can give rise to separate discrimination or retaliation claims before the workers\u2019 compensation board or other state enforcement agencies. Remedies can include reinstatement, penalties, or back pay. Employees who believe they are being retaliated against should preserve documentation, report the conduct to the appropriate state office, and consider legal counsel because retaliation claims have their own filing rules and remedies under state law.\"}}]}<\/script>\n                \n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aece2b9 e-flex e-con-boxed e-con e-parent\" data-id=\"aece2b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-feb0024 e-con-full e-flex e-con e-child\" data-id=\"feb0024\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f68128b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f68128b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89a918 elementor-widget elementor-widget-heading\" data-id=\"c89a918\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest Insights on Workers' Compensation Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-317c381 elementor-widget elementor-widget-elementskit-blog-posts\" data-id=\"317c381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-blog-posts.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <div id=\"post-items--317c381\" class=\"row post-items\">\n                    <div class=\"col-md-12\">\n\n                                    <div class=\"elementskit-blog-block-post\">\n                        <div class=\"row no-gutters\">\n                                                            <div class=\"col-md-6 order-1\">\n                                    <a href=\"https:\/\/lancobrokerage.com\/es\/workers-compensation-tips-ny-nj\/\" class=\"elementskit-entry-thumb\">\n                                        <img decoding=\"async\" src=\"https:\/\/lancobrokerage.com\/wp-content\/uploads\/2025\/11\/Website-WC-Post-1.webp\" alt=\"Workers\u2019 Compensation Tips: What Every Employer Must Know\">\n                                    <\/a><!-- .elementskit-entry-thumb END -->\n                                <\/div>\n                            \n                            <div class=\"col-md-6 order-2\">\n                                <div class=\"elementskit-post-body \">\n                                    <div class=\"elementskit-entry-header\">\n                                        \n                                                                                            \t\t\t\t\t                                            \n                                            \n                                                                                            \t\t\t\t<h2 class=\"entry-title\">\n\t\t\t\t\t<a href=\"https:\/\/lancobrokerage.com\/es\/workers-compensation-tips-ny-nj\/\">\n\t\t\t\t\t\tWorkers\u2019 Compensation Tips: What Every Employer Must Know\t\t\t\t\t<\/a>\n\t\t\t\t<\/h2>\n\t\t\t                                                                                <\/div><!-- .elementskit-entry-header END -->\n\n                                                                            <div class=\"elementskit-post-footer\">\n                                                                                            <p>What Is Workers\u2019 Compensation Insurance? Workers\u2019 compensation insurance is a state\u2011mandated program designed to protect both employees and employers when work\u2011related injuries or illnesses occur. While exact requirements vary by jurisdiction, nearly every state (including New\u202fYork and New\u202fJersey) mandates that most employers carry workers\u2019 compensation coverage. At its core, workers\u2019 compensation provides: Medical Expenses: Coverage [&hellip;]<\/p>\n                                                                                                                                <\/div><!-- .elementskit-post-footer END -->\n                                                                    <\/div><!-- .elementskit-post-body END -->\n                            <\/div>\n                        <\/div>\n                    <\/div><!-- .elementskit-blog-block-post .radius .gradient-bg END -->\n                \n            <\/div>\n                <\/div>\n       <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Workers&#8217; Compensation Why do I need Workers&#8217; Comp? Whether you\u2019re running a construction crew in Queens, a deli with one employee in the Bronx, or a restaurant in Hoboken, workers\u2019 compensation is essential. It\u2019s about more than just meeting legal obligations \u2014 it helps you take care of your employees and your bottom line. What [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-349","page","type-page","status-publish","hentry","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Workers\u2019 Compensation Insurance - Mandatory in NY and NJ<\/title>\n<meta name=\"description\" content=\"Get legally required workers&#039; 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