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Workers Compensation Insurance

Workers Compensation Insurance - Main Photo
Workplace Accidents Happen. Are You Ready?

Workers compensation insurance is not only essential for safeguarding your employees but also a legal requirement in Massachusetts. If you operate a business with employees, it is mandatory to purchase this policy.

At LoPriore Insurance, we offer a range of workers compensation policies designed to suit your specific needs and budget. Our comprehensive coverage ensures that your employees are protected from financial losses in case of potential work-related injuries, providing you with peace of mind and complying with the state regulations.

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Massachusetts Workers Compensation Insurance
Lopriore Insurance Agency

Workers Compensation Insurance - Service Crest

At LoPriore Insurance, we recognize the unique risks and challenges that businesses face in ensuring their employees’ well-being. That’s why we offer tailored Workers Compensation Insurance solutions, providing comprehensive coverage to protect your workforce from potential uncertainties. Our expert team is dedicated to crafting policies that align with your specific needs, ensuring protection for your employees in case of work-related injuries or illnesses.

From coverage for medical expenses and lost wages to legal liability, our range of insurance options is designed to keep your business and employees safe and thriving. With our trusted partnerships with leading insurance providers, we deliver top-notch policies that offer peace of mind, allowing you to focus on what matters most – running your business and caring for your employees.

In the face of unforeseen events, LoPriore Insurance stands as your reliable partner, ready to assist you in safeguarding the well-being of your workforce. Let us help you navigate the complexities of workers compensation insurance, so you can confidently pursue your business endeavors, knowing that we have your best interests at heart.

Understanding the Importance of
Workers Compensation Insurance

Workers’ compensation provides financial support to employees for work-related injuries or illnesses, while also promoting workplace safety by establishing a system that encourages employers to prioritize employee well-being.

What is It?

Workers' compensation insurance pays for injuries that occur while employees perform job-related functions, covering medical and rehabilitation costs, lost wages, and insurance settlements. Additionally, this policy can offer coverage if an employer is sued for damages related to an employee claim.

Why Do I Need It?

Accidents happen to everyone and they’re impossible to predict. On-the-job injuries or illnesses can quickly get expensive, leaving you open to significant financial risks. Additionally, Massachusetts law requires all businesses with employees to provide worker’s compensation insurance.

Who Is It For?

Workers' compensation is needed by employers to provide financial support and medical benefits to their employees in case of work-related injuries or illnesses. It is mandated by law in most states, including Massachusetts, for businesses with employees, regardless of the number of employees or hours worked. Self-employed individuals and contractors may also opt for workers' compensation coverage voluntarily to protect themselves from potential work-related accidents or illnesses.

How To Insure My Business

Workers Compensation Insurance - General Work Place Office

To ensure comprehensive protection for your business, securing workers’ compensation coverage is of paramount importance. This vital insurance provides financial support to employees who suffer work-related injuries or illnesses, offering medical benefits, rehabilitation costs, and compensation for lost wages. Not only does workers’ compensation safeguard your workforce, but it also shields your business from potential legal liabilities and lawsuits resulting from workplace accidents. To get started, research reputable insurance providers specializing in workers’ compensation policies, assess your business’s specific needs, and customize the coverage accordingly. Request quotes from different insurers to find the best fit for your business, and ensure compliance with legal requirements to keep your operations fully protected. By prioritizing workers’ compensation, you demonstrate your commitment to the well-being of your employees and the sustainability of your business.

Tips for buying Workers Compensation Insurance

Choosing the right workers’ compensation insurance for your business is crucial to protecting both your employees and your company. This section will offer valuable tips to help you navigate the intricacies of workers’ compensation insurance.

Identify Your Risks

Identifying your risks is the first crucial step in selecting the right workers' compensation insurance. Every business has unique risks associated with its operations, which need to be adequately accounted for to ensure the right coverage.

Review Policy Terms

Thoroughly review the terms and conditions of each policy, including coverage limits, exclusions, deductibles, and any endorsements or additional coverage options. Additionally, ensure that the coverage provided aligns perfectly with your specific business requirements.

Work with an Independent Agent

Research and compare insurance providers that offer coverage suitable for your business needs. Look for companies with a strong financial reputation, good customer service, and experience in insuring businesses similar to yours.

How much does Workers Compensation Cost?

The cost of workers’ compensation insurance can vary significantly depending on various factors. Insurers typically calculate premiums based on the type of business, the number of employees, the industry’s risk level, and the state’s regulations. Businesses with higher levels of risk or those involved in hazardous industries generally pay higher premiums compared to low-risk businesses. Insurance premiums are calculated on the number of employees, job classification type, and total payroll.

Workers Compensation Insurance - Cost

Factors that Affect The Cost Of A Workers Compensation Policy

Understanding the factors can help you make the right choice for your business. Depending on the type of work your business does to where it’s located, from your payroll size to your safety track record, all these elements come together to create a unique insurance recipe for your company. Ready to understand what goes into this mix? Let’s unpack the main ingredients that influence your workers’ compensation insurance costs.

Coverage Type
And Limits
State Regulations
Industry Risk Profile
Total Payroll
Business Size
Claim History
Type of Business
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Protect Your Business With Workers Comp
Request Your Workers Comp Quote Today!

Safeguard your business and employees with workers’ compensation insurance, providing financial protection in case of work-related injuries or illnesses. Request your workers’ compensation quote today to secure comprehensive coverage tailored to your business needs.

Workers Compensation Coverage Details

Workers’ compensation insurance is crucial for safeguarding your business and employees when it comes to work-related injuries or illnesses. It provides comprehensive coverage, ensuring that your employees receive medical benefits, rehabilitation support, and lost wages if they suffer an on-the-job accident. Let’s explore its key components and benefits to ensure your workforce is protected and your business remains compliant with legal obligations.

Employers Liability Insurance

Workers Compensation Insurance - Bodily Injury
Bodily Injury by Accident
Each accident has a limit that specifies the maximum amount the policy will pay for all claims arising from a single accident
Bodily Injury by Disease - Policy Limit
This limit specifies the total amount that the policy will pay for all disease claims filed against the policy during the policy period.
Bodily Injury by Disease - Each Employee
This limit specifies the maximum amount the policy will pay for disease claims filed by any one employee

What's Typically Covered in a
Workers Compensation Policy

These coverages are designed to protect both employers and employees in the event of a workplace injury or illness. However, it’s important to note that the specifics can vary based on the laws in your state and the specifics of your insurance policy. Always be sure to read your policy carefully and ask your insurance provider or broker if you have any questions.

For Employees

Medical Expenses
Workers' Comp covers the cost of medical treatment for an employee's work-related injuries or illnesses. This includes emergency room visits, necessary surgeries, prescription medications, and any required ongoing treatments.
If a work-related injury or illness requires physical therapy or other forms of rehabilitation, Workers' Comp generally covers these costs. The aim is to help the employee recover and return to work.
Workers Compensation Insurance - Coverage Rehab
Workers Compensation Insurance - Coverage Lost-Wage
Disability Benefits
Workers' Comp provides disability benefits to employees who are unable to work due to a work-related injury or illness. These benefits are generally a percentage of the employee's typical wages. The benefits can be temporary or permanent, depending on the nature and severity of the disability.
Death Benefits
If a work-related injury or illness results in an employee's death, Workers' Comp provides death benefits. These are typically paid to the employee's dependents, like a spouse or children, to help cover funeral costs and provide financial support.
Lost Wages
If an employee is unable to work while recovering from a work-related injury or illness, Workers' Comp typically pays a portion of the employee's lost wages.

For Business Owners

Workers’ Compensation Insurance serves as a lifeline for business owners, protecting them from costly out-of-pocket expenses. 

Legal Defense Costs
Workers' compensation covers defense costs incurred by the employer during a lawsuit filed by an employee regarding work-related injuries, diseases, or illnesses. This coverage helps protect the employer from financial burdens associated with legal proceedings and ensures a fair and appropriate resolution.
Third-Party Action Over Claims
Coverage for lawsuits by third parties who might be held liable for your employee’s injury.
Loss of Consortium Claims
Protection against lawsuits filed by family members of an injured or ill employee.
Workers Compensation Insurance - Settlements
Worker Compensation - Court Costs
Dual-Capacity Claims
Coverage for lawsuits claiming you're responsible for an injury or illness beyond your role as an employer.
Consequential Bodily Injury Claims
Protection against lawsuits from family members of an injured or sick employee for their own bodily injuries, such as mental anguish from the loss of a loved one.
Settlements for Work-Related Injuries
Workers' compensation settlements encompass financial awards given to employees who suffer bodily injury, disease, or illness directly related to their work functions. These settlements aim to provide compensation for medical expenses, lost wages, and other damages resulting from the work-related incident.

To Better Understand Workers Comp
Go Read Our Blog Below

Explore our informative blog post for a comprehensive understanding of workers’ compensation insurance. Gain insights into its importance, coverage options, and how it applies to various work scenarios, including remote work. Get equipped with the knowledge to make informed decisions and protect your business and employees effectively by clicking below now!

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Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Assurance, Extra Peace of Mind

Get a free quote for workers’ compensation insurance from LoPriore Insurance and safeguard your business and employees. With their experienced team, you can receive tailored coverage options to meet the unique needs of your workplace. Protect your workers and your business with reliable workers’ comp insurance. Contact LoPriore Insurance today!

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Workers Compensation Insurance FAQs

While Massachusetts law doesn’t require you to have workers comp if you don’t have employees, you might be required to have the policy in certain situations. For example, some businesses require contractors and sole proprietors to have a policy to reduce risks.

If discovered, you can be issued a stop-work order and be fined daily until coverage is in place and all fines are paid. You could also be subject to criminal charges.

Sole proprietors have the option to be included or excluded when the policy is issued. This option provides considerable benefits for sole proprietors who would otherwise need to use their health insurance to cover a work-related injury.

Yes, a standard workers compensation policy typically has the following exclusions.
• Costs related to injuries incurred because of serious and willful misconduct from an employer
• The employer knowingly hired an employee in violation of the law (like hiring someone you know is underage)
• The employer failed to comply with safety regulations
• You discharge or coerce an employee in violation of the workers compensation law (like threaten to fire someone for filing a claim)

There are several factors involved in determining the cost of your workers compensation policy. Some of these factors include:
• Job classification of your employees
• Your company’s claim history
• Your industry
• Risks related to certain jobs including heavy labor
• Amount of your payroll
• Business size

Still HAve Questions? Get Answers

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What Others Are Saying About Us!

Jane was a very thorough agent. Got us all the information we needed.
Outstanding business. John the owner runs a great business
Thomas Carney
Thomas Carney
Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
Always responsive, professional and helpful.
Devin Cole
Devin Cole
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno