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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Workers’ compensation
2023 workers’ compensation overall rate level decreases 6.1%
New Jersey Compensation Rating and Inspection Bureau circular letters, manual amendment bulletins and advisory bulletins that explain the rate revisions, experience rating and other rules effective Jan. 1, 2022. 2 pages
A conversation about independent contractors
This resource kit offers helpful tests to assist agents in properly classifying independent contractors and employees. 3 pages
Domestic employees
Homeowners have a nonbusiness exposure for both hired workers that are subject to the Workers’ Compensation Law and hired workers subject to tort law, as this resource kit will show. 3 pages
Employee vs. independent contractor assessment—common law test
Overview of the common law test for use in New Jersey for workers’ compensation and employment tax determinations. 2 pages
Give me liberty or give me a paycheck
A discussion of independent contractors and how they are properly handled in the workers’ compensation arena. 4 pages
Maritime law: LHWCA and Jones Act
Outlines the special insurance needs under the Longshoremen’s and Harbor Workers’ Compensation Act of 1927 and the Jones Act covering marine workers. 4 pages
New Jersey workers’ compensation and employers’ liability manual order form
Order form for the New Jersey Compensation Rating and Inspection Bureau Manual and update service. 2 pages
New Jersey workers’ compensation certificate of insurance and audits for contractors
Brief discussion and sample letter regarding subcontractors and how the election of workers’ compensation coverage by sole proprietors, LLC members and partners may impact contractor clients at audit. 2 pages
Other states coverage in workers’ compensation residual-market policies
Comprehensive discussion on how to cover out-of-state employee assignments in the workers’ compensation residual market. 4 pages
The flanking maneuver
This resource kit discusses coverage under workers’ compensation and employers’ liability when dealing with third-party claims. 2 pages
Workers’ compensation endorsements that need clarification
This resource kit will add clarity to our understanding of three endorsements (i.e., the alternate employer, waiver of subrogation and foreign exposures endorsements) used with the workers’ compensation policy. 4 pages