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:

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



  • 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


  • 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


  • 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.


  • 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



  • 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.


  • 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



  • 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.


  • 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



  • 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.


  • 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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