Workers Compensation insurance covers you and you’re employees if your hurt at work.
Whether you have 1 employee or 1,000, we can write a policy for you.
MGL 152, § 1 (4) states that an employee is “every person in the service of another under any contract of hire, express or implied, oral or written.” Exceptions include but are not limited to:
- Salesperson of retail consumer goods who work on commission, or buy/sell basis, other than at a retail store location. (A written contract must be on file stating that the person working in this capacity is not treated as an employee under federal tax law);
- Taxi drivers who lease their vehicles on a fee basis not related to the fares they collect (and who are not treated as an employee under the federal tax law);
- Persons who are engaged in interstate/foreign commerce who are covered by federal law for compensation for injury or death.
Read more here: Labor and Workforce Development
Rates are based on gross payroll and would be audited at the end of the policy period. Rates are generally set by the state by your class of business. We have a few companies that will deviate from these rates to offer you a less expensive alternative.
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