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Buy Workers' Compensation Insurance in Massachusetts

Who needs to be covered by the policy, where you can buy it and how much it will cost are all mandated or influenced by state law.

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.
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Low Rates Available in Massachusetts

What to Know

You are required to carry workers' compensation insurance in Massachusetts if:

  • If you have any employees working in Massachusetts, including family members and yourself if you are considered an employee
  • If you are an independent contractor, you might not be covered by the hiring company’s insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>

Where to buy insurance:

Where to Get It

Factors That Impact Coverage

Legal Requirements

  • If you are a real estate agent working on a commission basis and have a written contract stating you are not treated as an employee under federal tax law, you are exempt from coverage.
  • Who needs to be covered by the policy, where you can buy it and how much it will cost are influenced by state legislation and the state's current legal and political climate.
  • Your business must comply with the state where your employees perform work - not necessarily where the business was founded or is based.
  • If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage.

General Liability

  • Work comp covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Rates

Massachusetts Key Resources

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

Call 1-800-416-0285 and let us walk you through it.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

  • Number of employees in each class code.
  • Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy. 
  • Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
  • Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.
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The information on this page has been interpreted and summarized for your convenience. Please consult your state's governing authority for the most current and complete legislation.