New Jersey's workers' comp market is unique — from the residual market to voluntary carriers. CISA Insurance helps NJ businesses navigate the system and find affordable coverage tailored to your industry, whether you're in construction, transportation, or retail.
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Why CISA
New Jersey requires workers' comp for all employees, including part-time and seasonal workers. We ensure full compliance with NJSA 34:15 and help you avoid penalties that start at $1,000 per uninsured week.
We compare rates from 15+ insurance carriers licensed in New Jersey, including specialized markets for construction, trucking, and manufacturing that standard brokers can't access.
NJ uses NCCI experience modification factors. We analyze your claims data and help implement safety programs that reduce your mod factor and lower your premium year over year.
New to business? We work with first-employers and start-ups to set up your workers' comp from scratch — class codes, payroll reporting, certificates of insurance, and everything in between.
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