Here’s the thing about workers’ comp in New Jersey – you don’t get to decide whether you need it. If you have employees, even one person working part-time, the state says you have to carry it. I’ve watched business owners try every excuse. “We’re just a small operation.” “My employees are like family.” “We’re careful, nobody’s going to get hurt.” None of that matters to the state, and it definitely doesn’t matter when someone actually…
You run an accounting firm in Brick. Twenty-three clients, two part-time employees, tax returns stored on a server in your office closet. Maybe you think hackers care about Goldman Sachs, not your little practice. Wrong. Criminals specifically hunt small businesses in NJ because you handle sensitive financial data without the security team that big corporations have. A dental office in Toms River learned this the hard way last spring. Someone clicked an email attachment that…