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    Workers Compensation policies provide protections for employees who are injured or suffer a work-related illness as a result of their employment. This type of insurance also covers an employer against legal action that an injured employee may pursue against the employer. Employers have an obligation to provide benefits for injured employees, either through self-insured programs from financially stable firms, or by purchasing a Worker’s Compensation policy.
    Any business that operates within Massachusetts and has employees is legally required to carry workers comp for the business’ employees. Businesses that fail to provide employees with coverage may be fined or face other legal consequences.
    • Part 1,promptly pay benefits of Medical Expense Benefits, Income Benefits, Dependant Funeral Expense Benefit and Rehabilitation Benefits for an injured employee.
    • Part 2,employers liability responds to third party legal suits against the employer. This coverage is for non-employees such as a dependent of an employee.

    What is Workers Compensation Insurance?

    Thousands of work-related illnesses and injuries occur every year, many of which are serious. Workers Compensation policies provide protections for employees who are injured or suffer a work-related illness as a result of their employment.  This type of insurance also covers an employer against legal action that an injured employee may pursue against the employer.  Employers have an obligation to provide benefits for injured employees, either through self-insured programs from financially stable firms, or by purchasing a Worker’s Compensation policy.  Insurers that provide Workers Compensation policies are obligated to the employee, not the employer that purchases the policy. 

    Workers Compensation Insurance Massachusetts

    What Massachusetts Businesses Need Workers Comp?

    Any business that operates within Massachusetts and has employees is legally required to carry workers comp for the business’ employees. Businesses that fail to provide employees with coverage may be fined or face other legal consequences. 

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    TESTIMONIALS

    Customers Love Us

    • When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

      Frank

      Winchester, MA

    • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

      Tony Bartolo

      Lynnfield, MA

    • One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

      Kelly Ilebode

      Boston, MA

    What Exactly Do Workers Compensation Policies Cover?

    Several Parts to a Workers Compensation Policy that protect the employer and offer benefits to the injured employee. 

    • Part 1, promptly pay benefits of Medical Expense Benefits, Income Benefits, Dependant Funeral Expense Benefit and Rehabilitation Benefits for an injured employee.
    • Part 2, employers liability responds to third party legal suits against the employer. This coverage is for non-employees such as a dependent of an employee.
    • Part 3, is an optional coverage. This optional coverage provides protections to employees that travel to other to Other States.

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    Sources of Workers Compensation Coverage?

    All States require an employer to provide the ability to pay for injuries to employees.  Employers have the option to purchase private insurance coverage from insurer, obtain insurance from an assigned risk plan or State funds may provide coverage to employers.  However, the most common way to provide Workers Compensation is by purchasing a policy from a private insurance carrier.

    Workers Compensation Insurance Massachusetts

    How Can Businesses in Massachusetts Get Workers Compensation Insurance?

    First, policyholders should determine the type and amount of coverage that best suits their business needs. Most Workers Compensation policies are purchased through private insurance carriers. Our Commercial Lines Insurance Agents are have the knowledge to write a policy for your unique business while comparing carrier rates to help save your business time and money!

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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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