Massachusetts Workers Compensation Insurance: Cost & Quotes from 37/mo

The committed workforce in Massachusetts fuels both large and small businesses. With potential and expansion comes the duty to ensure the safety and well-being of employees. The Massachusetts workers compensation insurance protects your company’s employers and its most valuable employees. Workers compensation insurance  covers occupational injuries and illnesses, demonstrating the state’s dedication to their health. Workers Compensation Massachusetts demonstrates your commitment to the welfare of your employees beyond the minimum legal requirement. In the following paragraphs, we will answer all of your questions about workman comp MA Insurance. 

What is Workers Compensation?

Workers’ compensation is a vital insurance policy that provides financial assistance and medical benefits to employees who suffer from occupational injuries or ailments. This approach protects businesses and employees by ensuring injured employees receive essential medical care and compensation replacement while barring employees from suing their employers for occupational injuries. 

For instance, the Massachusetts workers compensation law mandates employers carry workers’ compensation insurance to defend their employees. Suppose an employee in Massachusetts is injured while performing work-related tasks, such as slipping and falling on a construction site. In that case, the workers’ compensation system provides medical treatment and compensation for lost wages, thereby relieving their financial burden and promoting workplace safety.


When Do You Need to Get Workers Compensation Insurance in Massachusetts

The mandate to get workers’ compensation insurance in Massachusetts is explicit. Employers must have workers comp insurance Massachusetts for their employees and for themselves if they work as employees within their own company, regardless of the number of hours worked or the size of the staff. 

This rule is comprehensive and applies to both in-state and out-of-state businesses. Employers from out-of-state conducting business in Massachusetts must provide workers’ compensation coverage for all employees, ensuring strict compliance with Massachusetts workers compensation law. 


What Government Agency Oversees Workers Compensation in Massachusetts

The Department of Industrial Accidents (DIA) is the authorized institution responsible for overseeing the workers compensation Massachusetts system. To better serve the needs of Massachusetts residents and businesses, the DIA maintains five strategically located offices throughout the state. The following are the DIA’s primary functions and roles:

  • Judicial authority: The DIA is primarily responsible for managing and adjudicating contested workers’ compensation cases. It ensures that disputes between injured workers, employers, and insurance companies are resolved efficiently and equitably.

  • Insurance compliance: The DIA ensures that all Massachusetts employers adhere to Massachusetts workers compensation law. It implements the requirement that employers provide workers’ compensation insurance coverage for their employees, protecting their financial security in the event of work-related injuries or ailments.

  • Comprehensive support: The agency is a primary resource, providing assistance and information to various parties involved in the workers’ compensation procedure. This includes injured workers seeking benefits, employers working to meet compliance standards, insurers processing claims, attorneys representing clients, medical professionals contributing to recovery, and everyone else involved in the complex world of Mass workers comp. The DIA’s dedication to servicing all parties’ interests contributes to the integrity and effectiveness of the state’s workers’ compensation system.

In addition to the Department of Industrial Accidents (DIA), the MA Workers Compensation Rating and Inspection Bureau, or WCRIBMA, is an essential entity that plays a significant role in the state’s workers’ compensation insurance system. The Massachusetts Division of Insurance categorizes it as a non-profit private organization. The WCRIBMA is primarily responsible for the following: 

  • Insurance rate regulation: In Massachusetts, the WCRIBMA is a registered rating agency that regulates workers’ compensation insurance premiums. It collects vital data from all regulated insurance companies, including policy details, claims information, and financial data. This data will establish reasonable and competitive insurance rates in the state.

  • Rate filings: Massachusetts workers compensation bureau is in charge of filing rates, classifications, and rating schemes on behalf of its member insurers. It performs comprehensive risk evaluations for numerous businesses to ensure that insurance premiums reflect the level of risk associated with each industry.

  • Statistical agent: MA workers compensation rating and inspection bureau is the state’s statistical agent for matters about workers’ compensation. It accumulates and analyzes statistical data on workers’ compensation insurance, offering vital insights to insurers, regulators, and other stakeholders for informed decision-making.

  • Assigned risk pool administration: The bureau manages the Assigned Risk Pool on behalf of the Massachusetts Division of Insurance. This pool provides a safety net for businesses with difficulty obtaining workers’ compensation coverage through conventional insurance channels.

  • Coverage verification: As the Department of Industrial Accidents’ coverage verification entity, WCRIBMA is responsible for verifying employers’ compensation coverage. This ensures that businesses comply with state workers’ compensation regulations.

  • Experience modifications and classification rulings: State employers receive experience modification factors and categorization decisions from the Massachusetts workers compensation bureau. Based on their claim histories and risk profiles, these factors play a crucial role in determining the insurance premiums for specific enterprises.

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Which Businesses Are Exempt from Getting Workers Compensation Insurance in Massachusetts

In Massachusetts, workers’ compensation insurance is crucial for assuring that employees are compensated for workplace injuries or illnesses. There are few exceptions, primarily for business proprietors and corporate executives with greater control over their work environments. It is essential to comprehend these exclusions to comply with the Mass workers comp laws and provide adequate labor protection. The exemptions from Massachusetts’s workers’ compensation insurance requirements are as follows:

  • Members of limited liability companies (Llcs), partners of limited liability partnerships (Llps), and sole proprietors: Members of an LLC, partners of an LLP, or sole proprietors of unincorporated enterprises are not required to have Massachusetts workers compensation insurance. This exemption is limited to these business proprietors and does not apply to employees not affiliated with the LLC or LLP. Members, partners, and sole proprietors can obtain coverage by contacting an insurance broker and arranging for their workers’ compensation insurance. This flexibility allows these individuals to tailor their coverage to their needs while complying with Massachusetts workers’ compensation regulations.

  • Corporate officers with at least 25% ownership interest: In Massachusetts, corporate officers with at least a 25% ownership stake in the business can request an exemption from workers’ compensation coverage. However, it is critical to highlight that this exemption only pertains to corporate officers and does not relieve employers of their obligation to offer workmans comp MA coverage to employees who do not hold corporate officer positions within the business. Officers of a corporation who intend to pursue this exemption must confirm that they meet the ownership requirement and follow the formal procedure to do so.


How Much Money Does Massachusetts Workers Compensation Insurance Give?

Workers’ compensation insurance in Massachusetts provides various benefits to employees injured or made unwell on the job. These benefits are intended to help workers recuperate while also aiding their dependents in the event of severe injuries or fatalities. Numerous Massachusetts workers compensation insurance benefits are as follows:

  • Temporary total incapacity benefits: A worker may be eligible for Temporary Total Incapacity Benefits if they cannot work for six or more full or partial calendar days due to an injury or illness. These benefits account for 60% of the worker’s average gross weekly income. Payments are available for up to 156 weeks, with the maximum sum determined by the State’s Average Weekly Wage (SAWW) at the time of the injury. The first five days of a disability are unpaid unless it lasts at least 21 calendar days.

  • Partial incapacity benefits: Workers who can still work but have a partial loss of earning capacity due to an injury or illness may qualify for Partial Incapacity Benefits. These benefits can be received for up to 260 weeks and are limited to 75% of the worker’s total impermanent benefits.

  • Permanent and total incapacity benefits: Permanent and Total Incapacity Benefits are available to workers who cannot work due to an injury or illness sustained on the job. These benefits are equivalent to two-thirds of the worker’s average weekly salary for the 52 weeks before the injury, with a minimum of 20% of the SAWW and the option of annual Cost-of-Living Adjustments (COLA). These advantages are available forever.

  • Medical benefits: Workers who sustain work-related injuries or ailments necessitating medical treatment are entitled to reasonable and appropriate medical care. After the first visit, the employee can select their healthcare provider. The insurer may request periodic evaluations from their preferred healthcare professional. Medical benefits are available as long as medical and hospital services are required.

  • Permanent loss of function and disfigurement benefits: These benefits are available to employees with permanent loss of specific physical functions or scarring/disfigurement, primarily on the face, neck, and hands. The amount of compensation differs based on the location and severity of the deformity or loss of function.

  • Survivor and dependent benefits: If an employee dies from a work-related injury or illness, their spouse and eligible children may be eligible for Survivors’ and Dependents’ Benefits. Surviving spouses can get weekly benefits equal to two-thirds of the deceased worker’s average weekly income, up to a maximum set by the SAWW. Children may also qualify for benefits under certain conditions. Survivors may receive cost-of-living adjustments and continue receiving benefits if they remain dependent and do not remarry.

  • Burial expenses: When an employee dies due to a work-related injury or illness, the insurer will cover appropriate burial costs up to $4,000.


How Long Will an Employee Wait Before Receiving Benefits?

To successfully navigate the workmans comp MA system, employees and employers must know when an employee can expect to begin receiving benefits. In Massachusetts, the following precise regulations and protocols govern when an employee can begin collecting benefits following a work-related accident:

  • Report by employer: When an employee is unable to earn full earnings for five or more full or partial calendar days due to a work-related injury, the employer is required to report the injury to its workers’ compensation insurance company. This report is due within seven days of the fifth day of wage loss, excluding Sundays and legal holidays.

  • Insurance company response: When the employer first notifies the workers’ compensation insurance company of an injury, the insurance company has 14 calendar days to act. During this period, they are responsible for either providing a compensation check to the injured employee or, if they decide to refuse the claim, sending a form outlining the grounds for the denial.

  • Employee claim submission: If the insurance company does not offer compensation within 14 days or if the claim is denied, the injured employee may submit an Employee Claim – Form 110 directly to the insurance company. Importantly, the Department of Industrial Accidents (DIA) cannot accept this claim until at least 30 calendar days have passed since the employee’s first date of infirmity or until the individual has received a formal denial from the insurance company.


Penalties for Not Getting Workers Compensation in Massachusetts

In Massachusetts, employers who fail to provide workers’ compensation insurance are subject to substantial fines. The Department of Industrial Accidents (DIA) takes noncompliance seriously, and sanctions are imposed to safeguard employees. Employers who fail to purchase workers comp insurance Massachusetts may face the following penalties:

  • Stop Work Order (SWO): The DIA’s Office of Investigations may issue a Stop Work Order (SWO) to employers without workers’ compensation insurance. This ruling necessitates the immediate cessation of all business operations until proof of coverage can be provided.

  • Fines: Employers who violate a SWO are subject to fines of up to $100 per day, including vacations and holidays, starting when the SWO is issued. These fees accumulate daily until the insurance premium and the fine are paid.

  • Appeal option:  Employers have the option to appeal the SWO. The fines are increased to $250 per day if an appeal is lodged, but the business may remain open during appeals.

  • Criminal charges: Employers who fail to comply with the SWO and fail to remedy the lack of insurance coverage may face criminal charges. One-year prison terms and/or fines of up to $1,500 may be imposed for convictions.

  • Debarment from public contracts: Uninsured employers could also be prohibited from tendering on government contracts for three years. This can have severe financial ramifications for businesses reliant on government contracts.


Massachusetts Workers Compensation Insurance Cost

Workers compensation in Massachusetts is $69 per month or $828 per year. Several factors influence Massachusetts workers compensation insurance rates, including the nature of the firm, the number of employees, the inherent hazards of the industry, and the company’s prior claims history. The table below compares the prices of Massachusetts workers compensation insurance from the top providers:


Company Cost per Month Cost per Year Best for
NEXT $37 $444 Best overall; Fastest workers compensation insurance.
Thimble $44 $528 Small businesses seeking on-demand workers’ compensation insurance coverage in Massachusetts.
Hiscox $56 $672 Businesses that value cost-effective Massachusetts workers compensation insurance coverage.
CoverWallet $81 $972 Comparing Massachusetts workers compensation insurance quotes online.
The Hartford $90 $1,080 Businesses seeking an established and reliable Mass workers comp insurance provider.
Tivly $106 $1,272 Comparing the quotes of workers compensation Massachusetts over the phone.

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Best Massachusetts Workers Compensation Insurance Companies

Choosing the best insurance company is critical to obtaining the ideal Massachusetts workers compensation insurance.  These top-tier firms provide comprehensive coverage, competitive prices, and a dedication to protecting both employers and employees.  Read the reviews below to know their pros, cons, and average cost: 


NEXT


Pros

  • Digital convenience:  Digital-first platform NEXT makes it simple for Massachusetts business owners to acquire workers’ compensation insurance online.

  • Tailored solutions: NEXT tailors coverage to businesses’ specific requirements, ensuring your workforce’s safety.

  • Accessibility: NEXT provides small enterprises and independent contractors with a flexible coverage option.

  • Premium discounts: You will enjoy a 5% premium discount if you bundle workers compensation insurance with other policies


Cons

  • Couldn’t find any.

NEXT is a popular choice for Mass workers comp insurance because of its creative approach to coverage. They provide personalized solutions to satisfy the individual demands of businesses in the state, whether small startups or established organizations. NEXT promotes simplicity and price, making it a popular choice for Massachusetts consumers seeking complete workers’ compensation coverage.

Best for: Best overall; Fastest workers compensation insurance.

Average cost: $37 per month

Our rating: 10/10


The Hartford

Pros

  • Knowledge and reputation: The Hartford has a lengthy history of assisting businesses. Their knowledge of workers’ compensation insurance is extensive.

  • Comprehensive coverage: The Hartford offers workers’ compensation for businesses of all sizes. Strong policies protect Massachusetts firms and employees.

  • Industry-specific expertise: Due to its industry expertise, The Hartford can assist businesses with unique requirements or in specialized industries.


Cons

  • Doesn’t cater to all kinds of businesses.


With a long history and extensive industry expertise, The Hartford provides comprehensive coverage solutions tailored to the requirements of Massachusetts-based businesses. They are known for their dedication to customer service, competitive rates, and in-depth knowledge of Massachusetts workers compensation law. The Hartford is a top option for businesses seeking reliable and trustworthy workers’ compensation coverage.

Best for: Businesses seeking an established and reliable Mass workers comp insurance provider.

Average cost: $90 per month

Our rating:  10/10


Tivly 

Pros

  • Efficient matching: Tivly’s customer profile and pre-qualification match small company owners with the best insurers. Efficiency matches lower the time and effort needed to find coverage.

  • Tailored solutions: Tivly offers customized insurance. This means you may get Massachusetts workers’ compensation coverage that suits your business’s needs.

  • Time efficiency: Tivly streamlines insurance acquisition, saving time. This is ideal for busy business owners who want insurance quickly and easily.


Cons

  • You need to call to compare quotes over the phone.

Tivly, the renowned insurance marketplace for businesses, revolutionizes the Massachusetts workers compensation insurance market. Their revolutionary method facilitates small business proprietors’ selection of the ideal insurance provider. Tivly simplifies insurance acquisition by providing a courteous and pre-qualified carrier introduction via a comprehensive customer intake and profiling procedure. This customized approach saves business owners time and ensures they have the best Massachusetts workers’ compensation coverage for their requirements.

Best for: Comparing the quotes of  workers compensation Massachusetts over the phone. 

Average cost: $106 per month 

Our rating:  9/10


Thimble

Pros

  • Flexibility: With Thimble’s on-demand coverage model, workers’ compensation insurance can be purchased by the hour, day, or month. This adaptability is advantageous for organizations with fluctuating personnel requirements.

  • Cost-effective: Companies that require short-term coverage can save money with Thimble’s on-demand pricing compared to annual insurance.

  • Accessibility: Thimble’s strategy makes it simpler for gig workers, freelancers, and small businesses to obtain workers’ compensation insurance.


Cons

  • You can’t reach customer service by calling.

Thimble is an innovative and contemporary option for workers compensation Massachusetts. Known for its on-demand coverage model, Thimble enables businesses to purchase workers’ compensation insurance by the hour, day, or month, providing flexibility and cost-effectiveness. This strategy is especially attractive to contingent workers, independent contractors, and small businesses with fluctuating workforce requirements. Thimble is a convenient option for Massachusetts seeking responsive and adaptable workers’ compensation coverage due to its user-friendly platform and commitment to simplifying insurance.

Best for: Small businesses seeking on-demand workers’ compensation insurance coverage  in Massachusetts. 

Average cost: $44 per month 

Our rating: 9/10


Hiscox

Pros

  • Specialization: Hiscox specializes in small to medium-sized enterprises. This specialty indicates they comprehend this category’s unique needs and challenges.

  • Comprehensive coverage: Hiscox offers comprehensive workers’ compensation coverage to protect your Massachusetts business and employees from occupational injuries and ailments.

  • Customer service: Hiscox is well-known for its client service. They offer devoted assistance to help businesses comprehend the insurance process and concerns.


Cons

  • You may need to contact an agent to get a quote.


With a focus on providing insurance solutions for small and medium-sized businesses, Hiscox provides Massachusetts employers with coverage tailored to their requirements. Their dedication to adaptability, competitive pricing, and user-friendliness makes them a popular option for businesses seeking to protect their employees and comply with Mass workers comp laws. Hiscox is renowned for its commitment to promoting the growth of businesses while mitigating the risks associated with workplace injuries.

Best for:  Businesses that value cost-effective Massachusetts workers compensation insurance  coverage. 

Average cost: $56 per month 

Our rating:  8/10

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Workers’ compensation insurance is the type of insurance coverage that an employee takes to protect their workers medically and in any form of loss that would have otherwise been a liability the business owner or employer would have to suffer. Anyone looking forward to a smooth operation of their business in Massachusetts needs such a provision to protect the workers. Job place injury is something that cannot be avoided. It just happens, so one needs to enjoy Massachusetts workers’ compensation insurance.

When Do You Need to Get Workers Compensation Insurance in Massachusetts?

In Massachusetts, employers need workers’ compensation insurance to care for eventualities like injuries that might arise in job place accidents. If your business is operating in Massachusetts, you need to get the cover to take care of your employees and also to cover yourself if you also work for your company. For instance, if you work for your company as a manager or a CEO, you need worker’s compensation in Massachusetts to take care of you in case of an injury.

Employers who have their employees working virtually from home are also expected to get workers compensation Massachusetts. However, in case of an injury for those working virtually, there shall be a follow-up to indicate when the injury or accident occurred and how it is directly related to the work the employee does as an employee to prevent any ghost policy.

However, domestic workers obligated to work for at least 16 hours can be excused from getting Massachusetts workers’ compensation insurance since they can take their cover from a workers’ compensation policy for self-insurance needs.

The Massachusetts workers compensation requirements says that any policy should be taken before any injury is experienced. It is required for smooth business operation, so it should be made available even before any injury is felt. Compensation to the employee or employer might not be processed if the cover is gotten after the accident. Instead, the employer might take care of the loss and the medical bills.


What Government Agency Oversees Worker’s Compensation in Massachusetts?

Massachusetts’ Workers’ comp commission oversees workers’ compensation in Massachusetts. It ensures that employees who get any work-related injuries can receive their compensation. Workplace injuries can affect the regular operation of an individual and so compensation would be critical regardless of the intensity of the damage caused.

The Massachusetts workers compensation commission is therefore mandated to ensure that any worker that gets work-related injuries gets medical and hospital services, medical equipment, and drugs, as well as the weekly compensation for the income lost during the period in which the injured employee cannot work by just filing a claim.

When the workers compensation insurance companies in Massachusetts are hesitant to obey the mass workers comp laws, the commission comes in to advocate for the employer so that the employee in question can receive treatment and get related compensation. This, however, means that the employer should have the provisions of the insurance firm they have chosen to hire to minimize workers versus insurer conflict.

Other state agencies and offices work hand in hand with the commission according to workers comp laws in Massachusetts. These include the Department of Industrial Accidents (DIA), which operates under the Executive Office of Labor and Workforce Development, the Division of Insurance (DOI), which operates under the Office of consumer affairs and business regulation (OCABR) and the Executive Office of Health and Human Services (EOHHS). These state offices can be used by any complaint so that compensation to workers can be served.


Which Businesses Are Exempt from Getting Workers Compensation Insurance in Massachusetts?

It is critical to note that only some businesses in Massachusetts must take the workers’ compensation policy. Some companies are exempt from accepting or not to take the said cover. In other words, if they do not get the policy, no Agency will follow up on them. Such businesses include:

  • Members of a limited liability company- Limited liability companies prevent individuals from being liable for the company’s financial losses and debts. They are therefore excused from getting the Massachusetts workers’ compensation since they are practically not responsible for any loss. If your company falls under this group, you can be exempt from taking the worker’s compensation coverage, although you can have other insurance policies.

  • Partners of limited liability partnerships- Being a partner of a limited liability company exempts you from getting workmans comp in MA since you are not liable for any financial losses. Workers’ injuries and compensation are considered a loss to any company and the employee.

  • Sole proprietors of an unincorporated business- If you are a sole proprietor with no employees, you are exempt from getting Massachusetts workers’ compensation insurance. Consider getting insurance coverage until you advance your business to a corporate one.

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How Much Money Does Massachusetts’s Workers Compensation Insurance Give?

Massachusetts’s workers’ compensation insurance gives different MA workers compensation rating and inspection bureau when it comes to compensation depending on the liability that the injury has caused to the employee. The Department of Industrial Accidents is responsible for providing information about claims, vocational rehab in Massachusetts, settlement, and any other liability that is valid for compensation so that the process of compensation claims can be settled. It is, however, vital to note that workmans comp MA, uses the work ‘incapacity” instead of the word disability. The following is a breakdown of the money that Massachusetts’s worker’s compensation insurance gives:

  1. Temporary total Incapacity benefits- This is calculated by taking 60% of the gross average weekly wage of the 52 weeks before the injury date. It is compensated to an individual whose injury, after treatment, cannot work for six or more calendar days on full or partial occasions. The days do not have to be consecutive. The benefit can be received up to a maximum of 156 weeks.

  2. Temporary partial incapacity benefits- This is compensation done when the injury sustained hinders one from doing their typical job to taking one that is less engaging. This is calculated as 75% of your weekly temporary benefit, which can be received for up to 260 weeks.

  3. Permanent and total incapacity benefit- This is compensation done to individuals who can no longer work out of a work-related injury. It is calculated by taking 66% of your gross average weekly wage. You can receive compensation for as long as you are disabled.

  4. Medical benefit- This is a compensation plan where the commission takes care of all the medical needs of the person who suffers a job-related injury. It includes also includes mileage reimbursement. On the first doctor’s visit, the employer can choose their facility for extermination before the worker can visit their facility of choice.

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Massachusetts Workers Compensation Insurance Cost

The average Massachusetts worker’s compensation insurance cost is $39 per month, accumulating to $468 annually. It is, however, critical to note that this value might be affected by several factors, including the following:

company cost per month cost per year best for
NEXT $12 $144 Overall best for small businesses
The Hartford $36 $432 Business people who need more than one insurance policy.
CoverWallet $48 $576 Comparing workers compensation cost online 
Tivly $32 $384 Comparing workers compensation insurance quotes over the phone
Thimble $55 $660 On-demand coverage for employers who need to sign a workers compensation insurance
Hiscox $65 $780 All workers compensation policy needs.  

Compare Cheap Workers Compensation Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Massachusetts Workers Compensation Insurance Companies

Here are the companies to consider. Read some of the reviews below to know their pros, cons, and average rate. 


NEXT

Pros

Cons

NEXT insurance company is one of the best insurance companies operating in Massachusetts. If you are handling a small business but need worker’s compensation insurance, NEXT is the best company to engage. You get your insurance proof instantly online.

Best for: Overall best for small businesses

Average cost: $12 per month

Our rating: 10/10


The Hartford

Pros

Cons

The Hartford has a solid financial rating, making it more dependable even for varied or multiple-risk insurance. Apart from workers’ compensation insurance, it also offers other insurance policies, giving you services under one roof.

Best for: Business people who need more than one insurance policy.

Average cost: $36 per month

Our rating: 10/10


 CoverWallet

Pros

Cons

CoverWallet is the best insurance company for insurance needs that call for a comparison of quotes online. It is also proud to have a financial backup from Aon, the best broker firm globally. Its high customer ratings tell you that it is dependable.

Best for: Comparing worker’s compensation costs online

Average cost: $48 per month

Our rating: 10/10


Tivly

Pros

Cons

Are you looking for a wide range of insurance offers to choose from? This is the best place to be. It has an A rating, according to the Massachusetts workers compensation bureau. This is out of the customer experience. It operates more than 200 customers. You need to make a call and have a quote recommendation. Call now to compare quotes over the phone. 

Best for: Comparing worker’s compensation insurance quotes over the phone

Average cost: $32 per month

Our rating: 9/10


Thimble

Pros

Cons

Thimble is another company to depend on for your worker’s compensation insurance. It connects clients to professional services in canceling, scheduling, and purchasing policies on issues of workers’ compensation. The whole process, therefore, becomes very smooth.

Best for: On-demand coverage for employers who need to sign a workers’ compensation insurance

Average cost: $55 per month

Our rating: 10/10


Hiscox

Pros

Cons

Hiscox is the best place for employers looking for individual policies for both their businesses and personal needs. It guarantees worker’s compensation insurance and other insurance policies so that you enjoy discounts. It has been in operation for over 100 years hence a guaranteed reputation.

Best for: All workers’ compensation policy needs. 

Average cost: $65 per month

Our rating: 10/10

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