Workers’ Compensation Insurance in Revere, MA

Workers’ compensation insurance is essential for financially protecting your employees’ well-being and is a legal requirement for most Massachusetts businesses. Contact R.M. Cataldo Insurance Agency today for a personalized workers’ compensation insurance quote.

Is Workers’ Compensation Insurance Required in Massachusetts?

Yes, workers’ compensation insurance is required in Massachusetts for all employers. The Massachusetts Workers’ Compensation Act requires every employer, whether in the private or public sectors, to provide workers’ compensation insurance coverage for all employees, including part-time and temporary employees, with few exceptions.

Failure to provide this mandatory insurance could result in severe penalties. Your agent can help determine how Massachusetts laws may apply to your company.

How Does Workers’ Compensation Work in Massachusetts?

Should a covered worker sustain an injury at work that leads to an inability to earn full wages for a period of five or more days, or necessitates medical treatment due to a workplace accident, they may qualify to receive workers’ compensation benefits.

Workers’ compensation in Massachusetts operates on a no-fault system, meaning that employees can receive benefits for injury or illness regardless of fault. An affected employee must promptly notify their employer about their injury or illness. The employer then files a claim with their workers’ compensation insurance provider.

The employee receives necessary medical treatment, and if they cannot resume work due to the injury, they may receive compensation for lost wages. Workers’ compensation insurance may also help cover vocational rehabilitation to help the employee return to work.

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Ensuring your business complies with Massachusetts’ workers’ compensation laws is vital. Contact R.M. Cataldo Insurance Agency today for a personalized workers’ compensation quote.