Workers’ Compensation Insurance

Protect your employees and your business with workers’ compensation insurance. Cover medical expenses, lost wages, and liability claims for workplace injuries.

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Protect your employees and your business.

Coverage that keeps your team secure.

Your employees are essential to your business, and workers’ compensation insurance ensures they’re protected if they get injured or become ill due to work-related activities. It covers medical expenses, lost wages, and rehabilitation costs, while also shielding your business from lawsuits related to workplace injuries.

At Stephen Benjamin Insurance Agency, we help businesses stay compliant with Massachusetts workers’ compensation laws while securing the best coverage for their workforce. Whether you have one employee or a large team, we’ll find a cost-effective plan tailored to your industry and risks.

What workers’ compensation insurance covers.

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Medical Expenses

Covers hospital visits, surgeries, prescriptions, and rehabilitation costs for work-related injuries or illnesses.

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Lost Wages & Disability Benefits

Provides partial wage replacement if an employee misses work due to injury.

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Employer Liability Protection

Helps cover legal costs if an injured employee files a lawsuit against your business.

Understanding workers’ compensation coverage.

Workers’ compensation is a legal requirement for most businesses. Here’s what you need to know.

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  • Is workers’ compensation insurance required in Massachusetts?

    Yes. Massachusetts law requires all employers with at least one employee to carry workers’ compensation insurance—even for part-time workers. If you fail to provide coverage, you may face fines, legal penalties, and business closure.

  • What types of injuries does workers’ compensation cover?

    Workers’ comp covers injuries or illnesses caused by work-related activities, including slips and falls, repetitive stress injuries, and occupational diseases. It also pays for rehabilitation, disability benefits, and survivor benefits if a fatal accident occurs.

  • Does workers’ compensation cover independent contractors?

    No, independent contractors are not automatically covered. However, some industries, like construction, require businesses to cover contractors under their policy. If you’re unsure whether you need coverage for certain workers, we can help you determine the best approach.

  • How much does workers’ compensation insurance cost?

    Costs vary based on industry risks, payroll size, and claims history. High-risk industries, like construction and manufacturing, pay higher premiums than office-based businesses. On average, businesses pay $0.75–$2.50 per $100 of payroll, but we’ll find the most competitive rates for your business.

  • Can I bundle workers’ compensation with other business insurance?

    Yes! Many businesses bundle workers’ compensation with general liability, commercial property, and umbrella insurance for better protection and cost savings. We’ll help you customize a policy package that ensures your business and employees stay protected.