If you’re a MA business owner, you probably groan at the mere utterance of the words “workers’ compensation.” We get it - it’s required in your state but it is complex to apply for, there are often mistakes in how you are rated, you need to participate in an annual audit, and it’s expensive. Sometimes it may make you reconsider your life decisions to become a business owner in the first place.

As a business leader, you have the power to make many choices based on what you think is best for your business. When it comes to your business insurance, you probably want to be able to do the same.

You’ve finally made it through the workers’ comp quoting process. Your agent has asked you all sorts of complex questions about your business and every single one of your employees and now you think you’re finally in the clear, ready to move forward with a policy. Then your insurance agent asks you one additional question: “Do you want to sign up for payroll deduct?”

Having volunteers for your company or event is always a beneficial thing. But it isn’t without its risks. For instance, what happens if they get hurt while volunteering for you?

Employers’ liability and workers’ compensation: what’s the deal? Do they mean the same thing? Do I need both?

If you are a business owner hearing the words “workers’ compensation” and “credit'' used in the same sentence, your interest is probably piqued.