New Jersey Day Care businesses pay $140–$700/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Newark | $193–$966/mo | Compare → |
| Jersey City | $199–$994/mo | Compare → |
| Paterson | $182–$910/mo | Compare → |
| Elizabeth | $185–$924/mo | Compare → |
| Edison | $193–$966/mo | Compare → |
| Trenton | $175–$875/mo | Compare → |
| Camden | $161–$805/mo | Compare → |
| Clifton | $189–$945/mo | Compare → |
| Toms River | $182–$910/mo | Compare → |
| Bridgewater | $193–$966/mo | Compare → |
| Bergen County | $199–$994/mo | Compare → |
| Middlesex County | $193–$966/mo | Compare → |
| Essex County | $189–$945/mo | Compare → |
| Hudson County | $199–$994/mo | Compare → |
| Monmouth County | $189–$945/mo | Compare → |
| Ocean County | $179–$896/mo | Compare → |
| Union County | $189–$945/mo | Compare → |
| Camden County | $168–$840/mo | Compare → |
| Passaic County | $185–$924/mo | Compare → |
| Morris County | $196–$980/mo | Compare → |
Day Care businesses in New Jersey typically pay $140–$700/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — New Jersey requires workers' compensation for most employers with at least one employee. Day Care businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Day Care businesses, key covered scenarios include: Third-party bodily injury claim; Property damage liability; Employee workplace injury.
Top exposures: (1) Third-party bodily injury claim, (2) Property damage liability, (3) Employee workplace injury, (4) Professional error or omission.
Top carriers in New Jersey for Social & Community Services businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Day Care policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for New Jersey cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.