Insurance We Offer
Workers' Compensation Insurance
Required coverage that protects your employees and your business after a workplace injury.
Workers' compensation insurance covers medical costs and lost wages when an employee is injured on the job — and it's required for most employers. It also helps protect your business from related liability.
We'll help you stay compliant and find competitive rates, whether you have one employee or many.
What this coverage can include
- Medical expense coverage for workplace injuries
- Lost-wage / disability benefits for employees
- Employer's liability coverage
- Help meeting state compliance requirements
- Competitive rates across multiple carriers
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Workers Compensation — Frequently Asked Questions
Is workers' compensation required in Massachusetts?
- Yes. Massachusetts requires virtually all employers to carry workers' compensation insurance for their employees, including most part-time workers. We help you stay compliant and avoid the significant penalties for going without it.
What does workers' compensation cover?
- Workers' comp pays for medical treatment and a portion of lost wages when an employee is injured or becomes ill because of their job. It also includes employer's liability coverage, which protects your business against related lawsuits.
How is the premium calculated?
- Workers' comp premiums are based primarily on your payroll, the type of work your employees perform (classification codes), and your claims history. Because we work with multiple carriers, we can compare rates to find the best fit for your business.