insurance for your business and employees

Avoid the expense of an injury with workers compensation insurance

Prevent claims from happening, properly manage the ones that do, and to stay in compliance with Massachusetts employment laws

When do I need to buy workers compensation insurance?

Workers compensation insurance in Massachusetts is a legal requirement for almost all businesses. As soon as you hire your first employee, you are required to have coverage. No matter if that employee works one or 40 hours a week.

Workers compensation insurance coverages and rates are regulated by the state. There may be a waiting period, so you could be putting your employees at risk if you don't secure the coverage before an incident occurs.

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Common workers compensation claim statistics

You have created a safe work environment for your employees, but there is no way you can anticipate it all. Even a minor injury can decrease productivity significantly.

Of work-related injuries are from strains or sprains

Of work-related injuries are from slips, trips and falls

Missed work days for a strain or sprain injury

Workers-Compensation-Insurance-Employee-Benefits

What is (and is not) covered by workers compensation insurance?

Like every other form of business insurance, workers compensation insurance has a list of conditions and exclusions. Understanding what is (and is not) covered will help you make sure your employees are properly protected.

What is typically covered?

Injuries to corporate officers who own at least 25% of the business

Injuries to all employees regardless of hours worked

Medical expenses

Lost wages (limited)

Ongoing care expenses

Funeral expenses

Treatment for work-related illness

Repetitive injury care

Disability benefits (limited)

Employer liability

What is not typically covered?

Small cuts/scrapes remedied by a first aid kit

Injuries sustained outside the scope of work

Injuries to individuals that are not your employees

Injuries to sole proprietors, members or partners of an LLC or Partnership (optional)

Out of state operations (optional)

Got workers compensation insurance questions? We’ve got answers.

Workers compensation insurance may seem straight-forward, but your business may require additional coverages depending on your operations. Here are some questions you may be asking yourself before securing the workers compensation coverage you need.

Do I need workers compensation insurance?

I’m a sole proprietor with no employees, but I do have personal health insurance, do I need workers compensation insurance?

I’m a business owner. Am I covered under workers compensation insurance?

I’m a business owner and I don’t want workers compensation insurance. Can I opt out?

How much does workers compensation insurance cost?

How workers compensation insurance helps fulfill your business’ legal obligations

Cover your employee medical expenses and lost wages following a workplace injury or illness.

Protect your business with coverage from employee-related lawsuits.

Statutory requirement

In Massachusetts, you are legally obligated to protect any and all individuals working for you. Without coverage, your business could be issued a Stop Work Order by the Department of Industrial Accidents.

Lawsuit protection

Protection from employee-related lawsuits claiming employer negligence. These lawsuits can be filed by the employee, the family of the employee, or even third parties.

Safety net for employees

Being injured and out of work can be a discouraging and isolating thing. Having the financial protection your employees need can help them focus on healing and get back to work quicker.

Simplifying workers compensation insurance … one blog at a time

Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

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"As most self employed individuals understand, relationships with your vendors are critically important to your business … [Berry Insurance’s] communication, willingness to go over and above the call of duty is fantastic."

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Fulfill the Massachusetts requirements for your business with workers compensation insurance

Don’t wait for the Department of Labor to come knocking. Or worse, for an accident to happen. Simply fill out this form and a member of our commercial team will be in touch.