New Jersey Employers Deserve a Sharper Workers' Comp Broker.
Contractors, manufacturers, restaurants, and service businesses across New Jersey rely on Joseph J. Schipsi, Inc. to structure workers' compensation the right way — accurate class codes, a clean experience mod, claims that actually get closed, and renewals shopped across top-rated carriers every single year.
Talk to a licensed New Jersey broker — no forms, no obligation.
New Jersey workers' comp shouldn't be this expensive.
One misclassified employee is inflating every premium you pay.
New Jersey premiums run off NCCI class codes and payroll. A roofer coded as a carpenter, or office staff lumped into a field code, can swing your annual cost by tens of thousands — and it usually surfaces at audit, as a bill you didn't budget for.
Your experience mod went up and nobody explained why.
In New Jersey the mod is calculated by the Compensation Rating & Inspection Bureau off three years of losses. Small frequent claims hurt you more than one large one. If your agent never reviews your unit stat filings, you're paying for errors that stay on your record for years.
A single open claim can quietly follow you for three years.
Claims left open with reserves that never get revisited keep charging against your mod long after the employee is back at work. We push carriers to close and reserve accurately — before it becomes a renewal surprise.
What a New Jersey workers' compensation policy actually pays for
Workers' comp is statutory coverage — but how it's written, classified, and managed is entirely up to your broker.
Medical Benefits
Full payment of necessary and reasonable treatment for a work-related injury or illness, with no deductible or co-pay to your injured employee under New Jersey law.
Temporary Disability
Wage replacement at 70% of average weekly wage, within New Jersey's statutory minimum and maximum, while an employee is out of work recovering.
Permanent Partial & Total
Scheduled and non-scheduled benefits when an injury leaves lasting impairment — the piece of New Jersey comp claims that most often gets litigated.
Dependency & Death Benefits
Weekly benefits to surviving dependents plus statutory funeral expenses if a workplace injury proves fatal.
Employers Liability
Defense and damages when a claim falls outside the exclusive-remedy protection of the comp statute — the coverage that protects the business itself, not just the employee.
Return-to-Work Support
Light-duty planning, nurse case management, and claims advocacy that get people back on the job sooner and keep your experience mod from climbing.
Local. Independent. Accountable.
Joseph J. Schipsi, Inc. is an independent insurance agency in Cherry Hill, New Jersey. Because we're independent, we place your workers' compensation with the carrier that fits your class codes and loss history — not the single company a captive agent is required to sell. Every client gets a dedicated team for audits, certificates, claims, and renewals.
Three simple steps to better coverage
Review Your Policy
Share your current declarations page, payroll by class code, and loss runs. A licensed New Jersey broker checks your classifications, experience mod, and open claims for costly errors.
Compare Your Options
We market your account to top-rated workers' comp carriers so you see real coverage and pricing side by side — instead of one renewal quote with no benchmark.
Secure Your Coverage
Bind with a local Cherry Hill agency that stays with you for audits, certificates, claims advocacy, and every renewal after — not just the sale.
Real New Jersey employers. Real results.
South Jersey businesses that stopped overpaying for workers' compensation.
"They found two employees misclassified on our comp policy and corrected it at renewal. That one fix paid for itself several times over, and their team actually answers the phone."
"We had a claim drag on for a year with our old agent doing nothing. Schipsi got involved with the carrier, got the reserves corrected, and our mod finally came back down."
"Straightforward, local, and knowledgeable about South Jersey contractors. They explained our experience mod in plain English — the first time anyone ever had."
New Jersey workers' comp questions, answered
Get Your New Jersey Comp Policy Reviewed Before Renewal
Class codes, experience mod, open claims, subcontractor certificates — a 30-minute review with a licensed New Jersey broker usually finds money your current policy is leaving on the table.