Massachusetts Workers Compensation Insurance

MA Workers Compensation Insurance

Massachusetts Workers Compensation Insurance

Protects employees from work-related accidents, illnesses, and fatalities. Massachusetts requires employers have workers compensation insurance.

According to MassHealth: Employees who are injured during the course of employment, or who suffer from work-related mental or emotional disabilities, as well as occupational diseases, are eligible for workers’ compensation benefits in Massachusetts. These benefits include medical and hospital services, medically necessary equipment and prescribed drugs, weekly compensation for lost income during the period the employee cannot work, and vocational and rehabilitation services.

Do we have to buy Workers Compensation Insurance in Massachusetts?

MA Department of Industrial Accidents requires all employers operating in Massachusetts are required to carry workers’ compensation insurance for their employees and themselves if they are an employee of their company.

The requirement applies no matter the number of hours worked or the number of employees.

The only exception is for domestic employees who must work at least 16 hours a week to be covered under a workers’ compensation policy.

Who isn’t required to have insurance?

  • Members of a limited liability company (LLC), partners of a limited liability partnership (LLP), or sole proprietors of an unincorporated business aren’t required to carry workers’ compensation insurance for themselves
  • This exemption does not apply to employees who are not members of the LLC or LLP. They must still be covered.
  • If they want coverage, members, partners, or sole proprietors should contact an insurance broker

What If we don’t carry workers compensation insurance?

You could be liable for all the costs if one of your employees gets injured. Also, you could be subject to fines or penalties by the state of Massachusetts.

Give us a call, click or stop by if you would like to discuss your insurance needs. Johnson & Rohan Insurance offers all forms of insurance.