Business NJ

Workers Compensation NJ

NJ workers compensation coverage from a licensed independent agent. Kevin reviews and responds personally.

Start NJ Process

Call 732-944-1791

Resident Producer Verified • NJ License #3003694894

Local Underwriting

Licensed Garden State agency matching local data to A-rated NJ paper.

Kevin Brown Insurance Agency

Licensed Agent

Audit Support

Engineered for Peace of Mind.

Every policy from Kevin Brown Insurance Agency comes standard with modern features designed to make your life easier and your protection stronger.

Audit Support

We help with annual reports.

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How to get covered

Independent agents shop multiple carriers. Kevin does that, and he also has access to E&S markets for risks standard carriers decline. Here's how the process works.

Tell us what you need

Fill out the Get Covered form. It takes about two minutes. Select your coverage type and answer a few questions about your situation.

Kevin reviews and responds

Kevin personally reviews every submission and responds with real options. No quote engines. Most NJ submissions get a lightning-fast response on business days.

You choose and bind

Once you select the right option, Kevin handles the paperwork and gets your policy issued. You get a copy of your declarations page as soon as it's bound.

Why an independent agent?

Captive agents (like those at State Farm or Allstate) work for one carrier. Kevin works for you, shopping your risk across dozens of carriers to find the best fit, including E&S markets when standard options aren't available.

Carriers shopped30+

NJ counties servedAll 21

Typical response timeLightning fast

E&S market accessYes

Quote intake is open 24/7. Kevin reviews and responds during business hours, Mon–Fri 9 AM to 5 PM.

Get CoveredCall 732-944-1791

NJ Producer License #3003694894 · No call center

Frequently Asked Questions

Yes. NJ law requires virtually all employers to carry workers compensation insurance. Failure to carry WC in NJ can result in fines of $5,000–$10,000 for the first 10 days and up to $5,000 for each additional 10 days of non-compliance, plus potential criminal liability.

NJ workers compensation covers medical expenses for work-related injuries or illnesses, temporary and permanent disability benefits, and death benefits for surviving dependents. It protects both employees and employers.

Workers comp premiums in NJ are based on your payroll, the type of work your employees perform (classification codes), and your claims history (experience modification rate). Kevin can help you review your classification codes for accuracy — misclassifications are common and costly.

Sole proprietors and partners in NJ are generally exempt from mandatory workers comp coverage but can elect to cover themselves. Corporate officers can also elect to be excluded. Kevin can help you understand your options and obligations.

Still have questions?

Call Kevin directly: 732-944-1791

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