Ahhh workers’ comp. One of the great joys of owning a business. (We say this sarcastically of course.)

Getting injured is definitely not on your employees’ job descriptions, but that doesn’t mean it doesn't happen sometimes.

Did you know that workers’ compensation isn’t really a standard insurance in the sense that it doesn’t actually pay for your claims? It simply finances them.

If you’re a MA business owner, you probably groan at the mere utterance of the words “workers’ compensation.” We get it - it’s required in your state but it is complex to apply for, there are often mistakes in how you are rated, you need to participate in an annual audit, and it’s expensive. Sometimes it may make you reconsider your life decisions to become a business owner in the first place.

As a business leader, you have the power to make many choices based on what you think is best for your business. When it comes to your business insurance, you probably want to be able to do the same.

You’ve finally made it through the workers’ comp quoting process. Your agent has asked you all sorts of complex questions about your business and every single one of your employees and now you think you’re finally in the clear, ready to move forward with a policy. Then your insurance agent asks you one additional question: “Do you want to sign up for payroll deduct?”