Workplace Accidents Happen. Are You Ready?
Workers compensation insurance keeps your employees protected from financial losses due to potential injury at work. In Massachusetts it’s also the law. If you operate a business with employees you must purchase such a policy. LoPriore Insurance offers a variety of workers compensation policies designed to fit your unique needs and budget.
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WHAT IS IT?
Workers compensation insurance pays for damages when injuries occur while an employee performs job-related functions. This policy covers medical and rehabilitation costs. It also provides reimbursement for lost wages and insurance settlements. If an employer is sued for damages related to an employee claim, coverage may also be provided.
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?
All Massachusetts businesses with employees must have workers compensation insurance regardless of the number of employees or hours worked.
The insurance helps employees recover from work-related injuries without the complexity of a lawsuit. One part of the coverage takes care of employee costs related to a work injury or illness. Additionally, employers may be covered in the event the injured party files a lawsuit.
- Medical benefits
- Disability benefits including lost wages
- Rehabilitation benefits to help an employee recover and return to productive work
- Funeral costs and death benefits for surviving spouse or dependents
Employer’s Liability Coverage
Since you’re required to provide it, an injured employee is prohibited from suing an employer if they receive these benefits. Unfortunately, not all accidents are covered by workers compensation. Part 2 of your worker’s compensation policy provides liability coverage for an employer when a worker files a lawsuit. Liability coverage includes payment for the following:
- Settlements awarded to an employee for bodily injury or disease/illness related to work functions
- Defense costs the employer incurs during the lawsuit
Get Insurance Coverage
Tailored To Your Business
Quote Request Form
Get Insurance Coverage Tailored To Your Business
Quote Request Form
Frequently Asked Questions About Workers Compensation
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
Learn More About Workers Compensation Insurance
Massachusetts law requires all businesses with employees to purchase worker’s compensation insurance. Failing to comply with these laws leaves your employees unprotected in the event of an accident and can carry serious consequences. If you think it’s time to review your workers compensation coverage needs, get in touch with LoPriore Insurance. Our experienced agents can provide a quick quote, and answer any questions you may have. Don’t get caught without the state required insurance for your employees. Learn more today.
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