What is a NJ Small Employer?

An employer that satisfies the requirements of either part one or part two of the definition below is a small employer in New Jersey.
“Small employer” means:

  1. Any person, firm, corporation, partnership, or political subdivision that is actively engaged in business that employed an average of at least one but not more than 50 eligible employees on business days during the preceding calendar year and who employs at least one eligible employee on the first day of the plan year;  or
  2. An employer with a business location in the state of New Jersey who employed an average of at least one but not more than 50 employees on business days during the preceding calendar year; and who employs at least one employee on the first day of the plan year.FFP Benefits is a full service agency that is dedicated to servicing the SMALL EMPLOYER market.

Putting it simply, WE KNOW SMALL GROUP. Our insurance consultants each have over 20 years of experience working with small group employers. We:

  • Represent ALL carriers available to you
  • Pro-actively shop your plan and rates each year. Then present a detailed renewal proposal with all carriers included 45 days prior to your renewal.
  • Do NOT affect the cost. Working with an agency will never cost you more. Premiums are based solely on the employee’s dates of birth and Zip code of the business. So one agent cannot get a “better” quote than another.
  • We are not incented by carriers to sell their product. We offer a no-pressure approach and offer honest advice. We show you all carriers and products, and assist you with picking a plan based on your needs.

Link to small Employer guide
http://www.state.nj.us/dobi/division_insurance/ihcseh/shop_seh.htm