Workers' comp that keeps your crew and your business protected
Massachusetts requires workers' compensation for almost every employer, even with one part-time employee. It pays medical bills and lost wages when an employee is hurt on the job.
Why shop workers' comp coverage with us
- Quotes from several carriers, side by side
- Plain-English advice on limits and deductibles
- Help from a local office when you have a claim
What a workers' comp policy can include
Medical expenses
Pays for treatment of work-related injuries and illnesses.
Lost wages
Replaces part of an injured employee's income while they recover.
Employer's liability
Protects you if an employee claims your negligence caused their injury.
Coverage varies by carrier and policy. We'll walk you through exactly what yours includes.
Getting the classifications right
Workers’ comp pricing depends on assigning each employee to the right class code. We review your payroll and job duties so you aren’t overcharged, and help you prepare for your year-end audit.
Workers' Comp insurance questions
Do I need workers' comp with only one employee?
In Massachusetts, yes. Almost all employers must carry it, including those with part-time employees. Sole proprietors without employees may be exempt.
How is the premium calculated?
Mostly by payroll and the classification codes for the work your employees do. An audit at the end of the policy year adjusts for actual payroll.
What if I hire subcontractors?
You may be responsible for uninsured subcontractors. Collect their certificates of insurance. We'll explain how this affects your audit.
Often paired with workers' comp
Ready to see what you could save?
It takes about three minutes, and there's no cost or obligation.
Rather talk it through? Call (508) 535-5303
Monday to Friday, 9:00 am to 5:00 pm