The New Jersey Workers’ Compensation Act typically makes filing a workers’ comp claim an injured worker’s sole legal recourse against their employer to obtain compensation for medical expenses and lost income. Injured workers normally may not file personal injury claims against their employers except in very limited circumstances, such as instances where an employer intentionally causes a worker’s injury. Instead, if an employer fails to fulfill their obligations under the workers’ compensation law (such as by having workers’ compensation insurance), an employee may have other alternatives under New Jersey law.