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  1. #1
    Join Date
    Apr 2006
    Location
    New Jersey
    Posts
    2

    Default Workers' Comp Requirement

    My wife had started a single member LLC (type C corp) in 2005 and did not realize even though she did not employ any individuals workers compensation insurance is required in NJ. As a first time small business owner, she had no clue this was needed. The only compensation the firm paid was a one time payment to her (the owner) in Dec 2005. Recently received a cross-match letter from the State requesting proof of coverage. She is responding with a letter indicating she did not know workers comp was needed and as a first time owner of a small business with only first year in operation, she did not know it would be needed. I understand there is a fine associated with not having workers' comp. Will the Dept. of Labor accept her response and not hold her accountable in this case ? Please advise.

  2. #2
    Join Date
    Mar 2006
    Location
    KS
    Posts
    2

    Default Has She Contacted Her Insurance Agent?

    If she has any insurance at all, her agent should have informed her of the rules regarding workers compensation. In KS you do not have to have work comp unless you have employees. Have you read the regulations regarding work comp in NJ? Is there any regulation that would allow her to exempt herself as the owner and sole employee of the company?

  3. #3
    Join Date
    Apr 2006
    Location
    New Jersey
    Posts
    2

    Default Workers comp requirement

    Thank you for your response. She had obtained business liability insurance, however, agent made no mention of the need for workers comp insurance as well.
    In NJ regulations apparently require Worker Comp insurance even if there are no employees other than the sole owner.
    Any suggestions ?

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