Massachusetts Workers Compensation Insurance

from Gammons Insurance Agency Inc.

Oct 22, 2013

One of the most important aspects of your business is your staff. It is essential to your business and your employees you protect them from any potential danger. In addition to being required in Massachusetts, there is no arguing that a workers compensation insurance policy is great to have for you, your business, and your employees.

This insurance coverage can ensure that employers will pay specific benefits in the event that a worker is killed, made ill or injured during their employment. A basic workmans comp policy can provide your employees with the following:
•Vocational Rehabilitation
•Medical Expenses
•Lost Income/Wages
•Rehabilitation Costs
•Death Benefits

It is important to know that workers comp operates under a “no-fault” system. One of the biggest advantages for employees with this coverage is that they will not have to prove someone was at-fault to receive the coverage. There are exceptions to how the employee attained their injury, however, which include horse-play or intoxication on the job. Beyond that in order to receive the coverage, the employee simply has to prove that he or she was doing his or her job at the time of the accident.

Did you know that in MA if workers compensation coverage is not maintained as outlined by the employer for the employees, the business will be given a Stop Work Order? This could be a fine up to $100 a day for a business. Make sure you and your employees have the coverage you need to avoid fines and the stress that could come if an employee is hurt on the job.

We understand how imperative it is that things run as smoothly as possible. Having workers comp insurance can protect you and your company from costly lawsuits that could arise with an employee being injured, made ill, or killed on the job. It can also help to alleviate issues with the government and your employees. The commercial lines agents at Encharter are here to help put together the right workers comp policy for your needs in MA.

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