---
title: Workers Compensation Insurance | Berry Insurance - Massachusetts
description: Berry Insurance offers Massachusetts workers compensation insurance to protect your employees for injuries or illnesses sustained while working for you. Through consultation and customization, we’ll create the right workers comp insurance program for you and your employees.
image: https://www.berryinsurance.com/hubfs/Workers-Compensation-Insurance-Coverage.jpg
---

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 insurance for your business and employees

# Avoid the expense of an injury with workers compensation insurance

### Prevent claims from happening, properly manage the ones that do, and to stay in compliance with Massachusetts employment laws

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![Workers Compensation](https://www.berryinsurance.com/hs-fs/hubfs/Workers%20Compensation.png?width=1000&height=700&name=Workers%20Compensation.png)

![Workers Compensation](https://www.berryinsurance.com/hs-fs/hubfs/Workers%20Compensation.png?width=1000&height=700&name=Workers%20Compensation.png)

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## When do I need to buy workers compensation insurance?

Workers compensation insurance in Massachusetts is a legal requirement for almost all businesses. As soon as you hire your first employee, you are required to have coverage. No matter if that employee works one or 40 hours a week.

Workers compensation insurance coverages and rates are regulated by the state. There may be a waiting period, so you could be putting your employees at risk if you don't secure the coverage before an incident occurs.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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## Common workers compensation claim statistics

You have created a safe work environment for your employees, but there is no way you can anticipate it all. Even a minor injury can decrease productivity significantly.

0%

 Of work-related injuries are from strains or sprains

0%

 Of work-related injuries are from slips, trips and falls

0

 Missed work days for a strain or sprain injury

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## What is (and is not) covered by workers compensation insurance?

Like every other form of business insurance, workers compensation insurance has a list of conditions and exclusions. Understanding what is (and is not) covered will help you make sure your employees are properly protected.

#### What is typically covered?

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Injuries to corporate officers who own at least 25% of the business

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Injuries to all employees regardless of hours worked

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Medical expenses

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Lost wages (limited)

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Ongoing care expenses

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Funeral expenses

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Treatment for work-related illness

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Repetitive injury care

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Disability benefits (limited)

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Employer liability

#### What is not typically covered?

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Small cuts/scrapes remedied by a first aid kit

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Injuries sustained outside the scope of work

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Injuries to individuals that are not your employees

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Injuries to sole proprietors, members or partners of an LLC or Partnership (optional)

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Out of state operations (optional)

![Workers-Compensation-Insurance-Employee-Benefits](https://www.berryinsurance.com/hs-fs/hubfs/Workers-Compensation-Insurance-Employee-Benefits.jpg?width=2000&height=1333&name=Workers-Compensation-Insurance-Employee-Benefits.jpg)

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## Got workers compensation insurance questions? We’ve got answers.

Workers compensation insurance may seem straight-forward, but your business may require additional coverages depending on your operations. Here are some questions you may be asking yourself before securing the workers compensation coverage you need.

### Do I need workers compensation insurance?

Yes. In Massachusetts, any business that has one or more employees is legally obligated to have this coverage. However, just buying the policy doesn’t guarantee you have what you need. Depending on how you structured your business, and what and where your operations are, you may need additional coverages. 

For more information, read [Do I Need Workers Comp if I am a Remote Worker, Independent Contractor or Sole Proprietor?](https://www.berryinsurance.com/blog/workers-comp-remote-worker-independent-contractor?hsLang=en)

### I’m a sole proprietor with no employees, but I do have personal health insurance, do I need workers compensation insurance?

Probably. 

Many Massachusetts health insurance companies have a “work related injury” exclusion in their coverage terms and conditions. So if you are injured in the course of your work, and seek medical care under your health insurance plan, you could be denied coverage. We always recommend checking with your health insurance agent to see if you are covered.

For more information, read [Do I Need Workers Comp if I am a Remote Worker, Independent Contractor or Sole Proprietor?](https://www.berryinsurance.com/blog/workers-comp-remote-worker-independent-contractor?hsLang=en)

### I’m a business owner. Am I covered under workers compensation insurance?

It depends. In Massachusetts, if you are a sole proprietor (operating as an individual), or a member or partner of an LLC or partnership, you are not automatically covered. You will need to submit a request for coverage on your company letterhead to the Massachusetts Workers Compensation Rating & Inspection Bureau. 

If you are a corporate officer, owning 25% or more of your business, you are automatically covered.

### I’m a business owner and I don’t want workers compensation insurance. Can I opt out?

Yes, but we usually don’t recommend it. (See question 2 above)

If you are a corporate officer, owning 25% or more of your business, you can request an exemption from workers compensation insurance coverage.

### How much does workers compensation insurance cost?

Workers compensation insurance is regulated in Massachusetts, meaning that it will cost the same from any insurance agent or company you choose to work with. The cost is determined by your total payroll, job duties performed, locations worked, claims history, and additional coverages your business may require.

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## How workers compensation insurance helps fulfill your business’ legal obligations

Cover your employee medical expenses and lost wages following a workplace injury or illness. 

Protect your business with coverage from employee-related lawsuits.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Statutory requirement

In Massachusetts, you are legally obligated to protect any and all individuals working for you. Without coverage, your business could be issued a Stop Work Order by the Department of Industrial Accidents.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Lawsuit protection

Protection from employee-related lawsuits claiming employer negligence. These lawsuits can be filed by the employee, the family of the employee, or even third parties.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Safety net for employees

Being injured and out of work can be a discouraging and isolating thing. Having the financial protection your employees need can help them focus on healing and get back to work quicker.

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## Simplifying workers compensation insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![6 Problems with Workers’ Compensation Insurance](https://www.berryinsurance.com/hs-fs/hubfs/5%20Problems%20with%20Workers%E2%80%99%20Compensation%20Insurance.png?width=900&height=300&name=5%20Problems%20with%20Workers%E2%80%99%20Compensation%20Insurance.png)

### 6 Problems (and their Solutions) with Workers’ Compensation Insurance

Several problems with workers’ compensation insurance frustrate business owners. We’ll go over those issues and their solutions in this article.

Learn More 

](https://www.berryinsurance.com/blog/6-problems-workers-compensation?hsLang=en)

[![How Much Does MA Workers Compensation Insurance Cost_](https://www.berryinsurance.com/hs-fs/hubfs/How%20Much%20Does%20MA%20Workers%20Compensation%20Insurance%20Cost_.png?width=450&height=300&name=How%20Much%20Does%20MA%20Workers%20Compensation%20Insurance%20Cost_.png)

### How Much Does MA Workers' Compensation Insurance Cost?

The cost of MA workers’ compensation insurance can vary based on several factors. We’ll go over what influences cost and what you can expect to pay in this article.

Find Out 

](https://www.berryinsurance.com/blog/workers-comp-cost-ma?hsLang=en)

[![5-Steps-Workers-Comp-Audit-1](https://www.berryinsurance.com/hs-fs/hubfs/5-Steps-Workers-Comp-Audit-1.jpg?width=1400&height=800&name=5-Steps-Workers-Comp-Audit-1.jpg)

### 5 Steps to Get Through Your Workers Comp Audit

We know “the audit” can be a stressful and confusing time for many business owners, so we’ve compiled tips on how to get through it.

Learn the 5 Steps 

](https://www.berryinsurance.com/blog/steps-workers-comp-audit?hsLang=en)

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## Our clients are like family. See what they are saying...

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### "As most self employed individuals understand, relationships with your vendors are critically important to your business … [Berry Insurance’s] communication, willingness to go over and above the call of duty is fantastic."

Erik W., Advanced Dealer Services

[Learn More About Business Policies](https://www.berryinsurance.com/massachusetts-business-insurance?hsLang=en) 

** **

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 Get in touch

## Fulfill the Massachusetts requirements for your business with workers compensation insurance

Don’t wait for the Department of Labor to come knocking. Or worse, for an accident to happen. Simply fill out this form and a member of our commercial team will be in touch.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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