The insurance that is required for your business can include: liability, vehicle, disability, key person, unemployment and worker's compensation. If you employ one or more individuals, you will need to make unemployment insurance worker's compensation contributions to the state. For more information on Unemployment Insurance:

(609)  292-2638
Div. of Unemployment & Disability Insurance
NJ Department of Labor
CN 390
Trenton, NJ 08625

Employers, with certain exceptions, are required
to participate in the federal state program to
provide unemployment insurance for idled workers.

(609) 292-2515
Department of Labor
Division of  Workers Compensation
CN 381, PO Box 381
Trenton, NJ 08625-0381
 
All employers in NJ must provide workers
compensation insurance for their employees
prior to the beginning of work.

Department of Banking and Insurance