Workers' Compensation Information - Worcester, MA
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You value your employees. You also set out to protect them with the right benefits packages. At times, you have a lot of leeway in determining what insurance to offer. However, in other cases, the law strictly regulates what you must provide.
For most Massachusetts businesses, workers’ compensation insurance is not an option—it’s the law. Therefore, don’t let your business, or your employees, go without this coverage.
What’s Workers’ Compensation Coverage?
Everyone has a lawful right to a safe, secure workplace. Should something happen to them, they often have recourse. Workers’ compensation is one of those forms of protection. This type of insurance covers employees who get hurt or injured at work.
Suppose someone slips in your company’s bathroom and sustains a bad leg break. Think about the effect this might have on them. They might face medical bills and rehabilitation costs. The impact might follow them for years. It might even affect their ability to work. That puts them at risk of losing income and productivity, and it might even threaten their financial security.
Situations like this one are why workers’ compensation is so important. The goal of the policy is to provide supplementary income to the injured employee during their recovery. Even if the company had little or no negligence in an accident, they still might owe the employee this protection. Most, in fact, recognize the important support coverage can provide. It provides an important piece of financial security for employees and employers.
Setting Up the Right Workers Comp Coverage
Massachusetts has extremely thorough workers’ comp laws. State statute requires workers’ compensation coverage for any person in the service of another under any contract of hire, express or implied, oral or written. However, there are exclusions to who needs coverage. One example is people who participate in organized professional athletics.
So, where do you fall under the Bay State’s lawful requirements? The good news is you don’t have to be a workers’ comp expert to get the correct coverage. Knight-Dik Insurance’s expert team is here to help.
We know that every business has diverse needs. That’s why we don’t believe you should have to take a one-size-fits-all approach to getting workers’ compensation insurance. We’ve worked hard to make the process simple, yet thorough, for all of our customers.
By using our one-of-a-kind WorkersComp Results program, you’ll receive targeted, far-reaching policy support. We’ll walk you through setting up your coverage, and maintaining it over time. If you or an employee needs to request policy support, we’re here and ready to help. We’ll make sure your policy provides effective, broad coverage at affordable costs.
Check out our Workers Comp blog series here