It is generally required by every state for business owners who have commercial insurance NJ to include workman's' comp in the policy
. Workman's compensation compensates any employee if they get injured on the job. It guards the business owner compensates for anything connected with the injury which includes medical bills, days missed from work, and so forth. This keeps the company owner from being sued for neglect. Not having commercial insurance NJ places employees and companies in a risky situation.