Massachusetts Workers’ Compensation Insurance

massachusetts workers' comp

Own a business in Massachusetts? You probably need workers’ compensation insurance.

In Massachusetts, workers’ compensation insurance isn’t just a good business practice, it’s required under the law. If you have any employees, including family members, you must provide workers’ compensation coverage.

How does Massachusetts workers’ compensation insurance work?

If an employee is injured on the job, your workers’ compensation insurance covers the costs for the employee and protects you from lawsuits. Massachusetts is a no-fault state so employees don’t have to prove your company is at fault for benefits to begin. They will have to show they were at work when the injury occurred. Exceptions to coverage include horseplay and intoxication on the job.

What does a Massachusetts workers’ compensation insurance policy cover?

  • Lost wages while an employee is out of work
  • Medical expenses for an injured or sick employee
  • Death benefits to survivors if an employee dies on the job
  • Rehabilitation services

Did you know that not everyone is required to have workers’ compensation insurance in Massachusetts?

  • Real estate agents are exempt if they work on commission and have a written contract stating they aren’t working as an employee under federal guidelines.
  • Sole proprietors, partners, and members of LLC are excluded from coverage, but can include themselves if they want.
  • Corporate officers are automatically included but any officer who has a 25 percent or greater share of the business can exclude themselves.

Think you can’t afford workers’ comp?

If it’s discovered you don’t workers’ compensation coverage in Massachusetts, two things will happen:

  1. You’ll receive a stop work order to cease all business activity until you purchase coverage.
  2. You’ll receive a fine of $100 per day for your business.

Is the lost income worth it? We don’t think so.

Here at Ross Insurance, we can help you find the right workers’ compensation insurance for your Massachusetts business. We’ll make sure your payroll and employee classifications are correct so that you don’t pay more than you have to. We can also share ways you can save on your workers’ compensation premiums with safety plans and other tips and tricks to keep costs under control.

When your business needs a Massachusetts workers’ compensation insurance policy, contact Ross Insurance.