Massachusetts Workers Compensation Insurance

As a business owner, you want to protect your employees and your business from possible hazards. But, did you know that having a general liability policy without a Workers’ Compensation policy in Massachusetts may not be giving you and your employees the right level of protection? Not to mention that for most businesses, it is required by law that you have a Workers’ Compensation Policy.

Workers’ Compensation can provide coverage for, but is not limited to:

• Medical Expenses
• Rehabilitation Costs
• Lost Income/Wages
• Death Benefits

Although employees can opt-out of the coverage, as a business owner, you are required to offer them Workers’ Compensation coverage – failure to do so can result in fines totaling as much as $2,500/day and a Class D felony charge (mandatory minimum of one year in prison). In general, companies with five or more employees are required to purchase Workers’ Comp Insurance for coverage of medical expenses, permanent disability and some of the injured employee’s wages. In the long run, this can save you from costly legal suits and messy situations and can protect your employees in the event that they get hurt on the job.

Call Encharter Insurance today to talk about the best way to make Massachusetts Workers’ Compensation fit your business!