We Don’t Just Quote Insurance.
We Manage Risk.
Workers’ compensation insurance in New Jersey is priced off your payroll, your class rate, and your experience mod, and the mod is the one you can change. Hanlon Insurance Agency analyzes it, challenges the errors that inflate it, and manages it year-round so you stop paying for mistakes that aren’t yours.
Your Rate Is Set.
Your Mod Isn’t.
Your premium starts with your payroll and the rate the rating bureau sets for your class code, the same rate every company in that class pays. Your experience mod then adjusts that premium up or down based on how your claims compare to other New Jersey businesses in your class. A 1.00 is average. Above 1.00 is a surcharge, below 1.00 is a credit, and each year’s claims count in three consecutive mods.
Many agents simply pass along the mod the rating bureau issues. We check it. Led by Certified WorkComp Advisor Craig Hanlon, our team reviews class codes, claim reserves, and payroll, using ModMaster analysis to find the errors and build a documented path to a lower mod.
Your mod isn’t a number you’re stuck with. It’s a number you manage.
Where Workers’ Comp Costs Are Won or Lost
In New Jersey, your workers’ compensation insurance premium is shaped all year long, by claims, audits, and classification, not just at renewal. Here’s where we step in.
Experience Mod Management
Identify and correct rating errors, then build a long-term strategy to bring your mod down.
Claims Oversight
Monitor reserves, push back on inflated claims, and advocate for fair outcomes that protect your mod.
Premium Audits
Catch overcharges, misclassified employees, and payroll errors before they become a surprise bill.
Assigned Risk / PPAP
Navigate the NJ CRIB assigned risk plan and build a path back to the voluntary market.
Return-to-Work
Cut claim costs and lost time with practical return-to-work and safety programs.
Ongoing Stewardship
Year-round management through our HIA 360 process, not just a review at renewal.
Every engagement starts with a mod review: where your premium is headed if nothing changes, and what’s driving it. Need liability, auto, or property coverage too? See our business insurance.
How We Bring Your Mod Down
Analyze
We run your mod through ModMaster to see exactly which claims and payroll figures are driving it, and where it's projected to land next year.
Challenge
We dispute misclassified payroll, question claim reserves set too high, and get rating errors corrected with the bureau.
Plan
You get a documented mod reduction path: which claims roll off when, what the target is, and what it's worth in premium.
Steward
We track claims, audits, and renewals all year, so problems get caught before they reach your mod.
Where Workers’ Comp Costs Hit Hardest
Contractors & Trades
Manufacturing
Staffing
Transportation
Home Healthcare
What Getting Your Comp Right Is Worth
Saved $60,000!
As a roofing contractor in New Jersey, M&M Roofing Corp struggled to find an insurance partner who truly understood our industry—until we connected with Hanlon Insurance. Their team immediately uncovered a costly audit error and saved us over $60,000. They took the time to explain everything clearly and make sure we were only paying what we truly owed. We’re beyond grateful for their support and highly recommend them.
Fiorella Menjivar
M&M Roofing Corp
Saved $30,000
I am Filemon Matias, manager of FM Staffing LLC, and I am very grateful to Hanlon Insurance Agency for helping us eliminate nearly $30,000 in unnecessary expenses. We are very thankful because they are genuine, honest people who strive for what’s best so that our business can operate smoothly and efficiently. We recommend them 100% as they have extensive experience in the insurance industry. Thank you, Craig and Linda, for your support.
Filemon Matias
FM Staffing LLC
Saved Over $4,000
Hanlon Insurance stepped in and immediately cleaned up our workers’ comp situation. They got us out of the NJ Assigned Risk pool and saved us over $4,000, but more importantly, they actually explained what was going on and stayed on top of it. This was the first time we felt like someone was truly representing us.
Ernie Troiano
Holly Beach Concrete
These are past results for specific clients. Results will vary and are not a guarantee of future savings.