(508) 420-9011 • insure@mcsheainsurance.com • 3821 Falmouth Rd, Unit 7 marstons mills, Massachusetts 02632
Workers’ Compensation Insurance
Running a business comes with many responsibilities, and ensuring the safety and well-being of your employees is a top priority. Workers’ Compensation Insurance provides financial protection for both employers and employees in the event of work-related injuries or illnesses. It helps cover medical expenses, lost wages, and rehabilitation costs while also protecting businesses from costly lawsuits.
A Workers’ Compensation policy typically includes coverage for:
- Medical expenses for work-related injuries or illnesses
- Lost wages during recovery
- Rehabilitation and physical therapy
- Disability benefits
- Employer liability protection
At
McShea Insurance, we help businesses navigate the complexities of
Workers' Compensation Insurance to ensure compliance with state laws while providing employees with the protection they need.
Who Needs Workers’ Compensation Insurance?
Most businesses with employees are required by law to carry Workers’ Compensation Insurance. Industries that commonly require coverage include:
- Construction and Contracting
- Healthcare and Nursing
- Retail and Hospitality
- Manufacturing and Warehousing
- Office-based businesses
- Restaurants and Food Service
FAQs
Is Workers’ Compensation Insurance required by law?
Yes. Workers’ Compensation Insurance is required by law in most states for businesses with employees. Each state has its own regulations regarding coverage requirements, exemptions, and penalties for non-compliance. Failing to carry workers’ compensation can result in fines and legal consequences.
What are the Workers’ Compensation requirements in Massachusetts?
In Massachusetts, all businesses with employees—whether full-time, part-time, or seasonal—are required to carry Workers’ Compensation Insurance. This includes family members and domestic workers who work 16 or more hours per week. Even out-of-state employers with employees working in Massachusetts must comply with the state’s workers’ comp laws. There are very few exceptions, making it essential for business owners to ensure compliance.
Do sole proprietors and independent contractors need Workers’ Compensation Insurance in Massachusetts?
In Massachusetts, sole proprietors are not legally required to carry Workers’ Compensation Insurance unless they have employees. However, certain industries are strictly regulated and require Workers’ Compensation Insurance even for independent contractors.
These industries include:
- Construction and Contracting: Required for all employees, including some independent contractors.
- Healthcare and Home Care Services: Includes hospitals, nursing homes, and private in-home care providers.
- Transportation and Delivery Services: Taxi, rideshare, trucking, and courier companies.
- Manufacturing and Warehousing: Due to high risks associated with machinery and manual labor.
- Hospitality and Food Service: Restaurants, bars, and hotels must provide coverage for their employees.
How much does Workers’ Compensation Insurance cost?
The cost of Workers’ Compensation Insurance varies based on factors such as:
- Industry and type of work performed
- Business size and payroll
- Number of employees, including contract workers
- Claims history
- State regulations
At McShea Insurance, we help businesses find affordable and comprehensive Workers’ Compensation coverage that meets their needs.
Can I customize my Workers’ Compensation Insurance policy?
Yes! Some businesses may need additional coverage options, such as:
- Employer’s Liability Insurance: Protection against lawsuits from employees related to workplace injuries.
- Occupational Accident Insurance: For independent contractors and business owners seeking coverage outside of standard workers' comp policies.
- Return-to-Work Programs: Helps injured employees transition back to work.
Get Started Today
Ensure your business is compliant and your employees are protected with
Workers’ Compensation Insurance. Contact
McShea Insurance today to speak with an agent and customize a policy that fits your business's needs.
Steps to Get Started
Request a Free Quote: Contact us to discuss your workers compensation insurance needs and receive a personalized quote.
Review Your Policy Options: Work with our agents to tailor coverage that fits your business’s unique requirements.
Support Your Workforce: Ensure your employees are protected with McShea Insurance’s trusted coverage.
Protect Your Employees and Business with McShea Insurance
Don’t let workplace injuries disrupt your business. Contact us today for reliable workers compensation insurance tailored to your needs.