In New Jersey, all employers with one or more employees are required to carry workers’ compensation insurance, which can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members are also excluded unless they elect to be covered. New Jersey’s system provides comprehensive benefits, including medical care, wage replacement, and rehabilitation services for injured workers. The New Jersey Division of Workers’ Compensation ensures compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby protecting workers’ rights and benefits.