Professional Services workers compensation in New Jersey
Professional Services businesses in New Jersey pay a median rate of $4.25 per $100 of payroll, ranging from $0.050 to $44.32. The national median for Professional Services is $1.32, so New Jersey sits 222% above the national average. 58 unique NCCI class codes are filed in this state for Professional Services occupations. Verified 2026-05-09.
Top Professional Services class codes in New Jersey
The class codes most likely to apply to a Professional Services operation in New Jersey, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 8803 | Real Estate Clerical | $0.050 | HIGH |
| 8601 | Consulting Engineers | $0.510 | HIGH |
| 4361 | Video Production | $1.13 | HIGH |
| 7539 | Automobile Rental | $1.32 | HIGH |
| 7515 | Waterworks Company | $1.45 | HIGH |
| 4771 | Waterworks Company | $4.56 | HIGH |
| 7600 | Telecommunications Company | $6.34 | HIGH |
| 6824 F | Ship Repair - dry dock | $7.74 | HIGH |
| 6874 F | Ship Scrapping | $8.56 | HIGH |
| 6826 F | Ship Scrapping | $8.85 | HIGH |
New Jersey compliance for Professional Services employers
Coverage threshold
All employers with one or more employees must provide workers' compensation insurance.
1099 vs W-2 in Professional Services
New Jersey uses a strict 'ABC test' to determine if a worker is an independent contractor or an employee.
Owner exclusion
Allowed in New Jersey. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,159 at 70% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in New Jersey.
Audit window
New Jersey carriers audit payroll within 90 days of policy expiration. Keep Professional Services payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full New Jersey workers comp overview · Professional Services cross-state rate comparison · New Jersey workers comp lawyer guide · New Jersey settlement chart
Estimate your Professional Services premium in New Jersey
Pre-filled to Professional Services and New Jersey. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Professional Services in New Jersey
$250to$221,600
Median: $21,225 · Rate range $0.050 to $44.32 per $100 payroll
Industry median across all states
$6,600
Cheapest states for Professional Services
- Utah $0.455
- Tennessee $0.705
- Kentucky $0.810
Most expensive
- New Jersey $4.25
- California $3.15
- Illinois $2.34
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Professional Services businesses in New Jersey
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Step 1, Confirm coverage threshold
All employers with one or more employees must provide workers' compensation insurance. For Professional Services operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Professional Services businesses typically use codes like 4771, 8734, 8737. The wrong code can cost 4 to 10x more or get reclassified at audit. In New Jersey, the cheapest code on this list is 8803 at $0.050 and the most expensive is 6826 F at $8.85.
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Step 3, Get a quote
Private carriers write Professional Services coverage in New Jersey. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are liable for the workers' compensation benefits of employees of an uninsured subcontractor. Professional Services operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Professional Services class allocation can shift if any worker spends more than 50% of time on a different code.
Professional Services workers comp FAQs in New Jersey
What is the typical workers comp rate for Professional Services in New Jersey?
Professional Services employers in New Jersey pay a median rate of $4.25 per $100 of payroll, with rates ranging from $0.050 to $44.32 depending on the specific class code. The national median across all states for Professional Services is $1.32, so New Jersey sits about 222% above the national average.
How many Professional Services class codes are filed in New Jersey?
New Jersey has 58 unique NCCI class codes filed for Professional Services occupations, drawn from 58 state-class code rate cells in our dataset. The most common codes include 4771 (Waterworks Company), 8734 (Insurance Adjusters), 8737 (Property Management NOC).
Are Professional Services 1099 contractors covered by workers comp in New Jersey?
New Jersey uses a strict 'ABC test' to determine if a worker is an independent contractor or an employee.
What is the maximum weekly benefit for an injured Professional Services worker in New Jersey?
New Jersey caps weekly workers comp benefits at $1,159 (effective 2025-01-01), calculated as 70% of the average weekly wage. Professional Services workers are subject to the same statutory cap as workers in any other industry.
How long does a Professional Services worker have to file a comp claim in New Jersey?
The statute of limitations in New Jersey is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Professional Services workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Professional Services business owner exclude themselves from comp coverage in New Jersey?
Yes, New Jersey allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Professional Services owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.