To protect both the employee and the employer, the state of New Jersey requires businesses to provide unemployment, workers' compensation and disability insurances for their employees. Businesses need to purchase private policies for both disability and workers' compensation. For the latest list of Licensed Insurance Carriers New Jersey Small Employer Health Coverage Program If you are a "small employer" (2 or more employees but fewer than 50 employees) in New Jersey, you do not have to provide health coverage for your employees. However, if you decide to provide health coverage, you can get a free "Buyer's Guide" with up-to-date information on your rights and responsibilities as well as the types of plans available to small employers. For latest rates and information Small Employer Health Coverage Program NJ FamilyCare for affordable health coverage and quality care. Return to Employer Responsibilities

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