Workers are employees or individuals who perform services for a business and may be exposed to job-related risks such as injuries, illnesses, accidents, or property damage. Their role, work environment, duties, payroll, and level of risk can all affect a company’s insurance needs and premiums. Businesses may need workers’ compensation insurance to cover medical expenses and lost wages after a work-related injury, along with employment practices liability, commercial auto, general liability, or other coverage depending on how and where employees work. Properly classifying workers is also important, since employees, independent contractors, temporary staff, and subcontractors may be treated differently under insurance policies and state laws.
Workers’ compensation rules in Massachusetts are strict and sometimes misunderstood. Learn who must carry coverage, common exemptions, audit triggers, and costly compliance mistakes employers should avoid.
Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.