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…