New Jersey state law uses the premises rule and the special assignment rule to determine coverage for workers’ compensation claims. If you sustain your injury while on your employer’s premises, then you are covered by your employer’s workers’ compensation insurance. If you are injured while engaged in work-related duties (as defined by the New Jersey Revised Statutes Section 34:15-36), then you are also covered. If you were not at work or on work premises, you are likely not covered.