Cover your Massachusetts business in a few clicks.
Simple process. Affordable price. 115+ industries & growing.
Workers' Compensation for Massachusetts Businesses
Who is required by law to have workers’ compensation insurance in Massachusetts?
According to the Massachusetts Government Website, All employers operating in Massachusetts are required to carry workers’ compensation insurance for their employees and themselves if they are an employee of their company. The requirement applies no matter the number of hours worked or the number of employees. The only exception is for domestic employees who must work at least 16 hours a week to be covered under a workers’ compensation policy.
Who isn’t required to have workers’ comp in Massachusetts?
Members of a limited liability company (LLC), partners of a limited liability partnership (LLP), or sole proprietors of an unincorporated business aren’t required to carry workers’ compensation insurance for themselves. This exemption does not apply to employees who are not members of the LLC or LLP. They must still be covered. If they want coverage, members, partners, or sole proprietors should contact an insurance broker
Who can file for an exemption for workers’ comp in Massachusetts?
Corporate officers who own at least 25% interest in the corporation can request an exemption from workers’ compensation coverage. This exemption does not apply to employees who are not corporate officers. They must still be covered.
What are the legal requirements associated with workers’ comp for out-of-state employers operating in Massachusetts?
Out-of-state employers operating in Massachusetts must provide workers’ compensation coverage for all employees working in the Commonwealth. Employers whose existing workers’ compensation insurance policies list Massachusetts in section 3A of the policy’s information page satisfy this requirement. Employers whose workers’ compensation policies list Massachusetts in section 3C regarding all states coverage (with or without certain state exclusions) must get proof from their insurance carrier that coverage is provided in Massachusetts by having their workers’ compensation insurer submit a Form 154 – Verification of Workers’ Compensation Coverage for Out-of-State employers Operating in Massachusetts.
Massachusetts Statistics*
*2019 business stats provided by the Bureau of Labor Statistics
1,500,000+
number of residents employed by small businesses
652,661
small businesses where work accidents can take place
92,000
lbs of tea dumped by Boston Tea Party
193
miles of coastline
50 acres
size of Boston Commons Park
Massachusetts Businesses We Cover with Workers' Comp Insurance

Food & Beverage
Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs
Get a Free Quote
Tech Services
Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)
Get a Free Quote
Legal Services
Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription
Get a Free Quote
General Retail
Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores
Get a Free Quote
Educational Services
Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services
Get a Free Quote
Manufacturing
Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)
Get a Free Quote
Personal Services
Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners
Get a Free Quote
Clothing Retail
Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops
Get a Free Quote
Personal Product Retail
Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games
Get a Free Quote
Medical Professions
Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians
Get a Free Quote
Architecture & Engineering Services
Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)
Get a Free Quote
Financial Services
Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance
Get a Free Quote
Scientific Services
Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting
Get a Free Quote
Office, Home, & Garden
Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists
Get a Free Quote
Therapeutic Services
Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy
Get a Free Quote
Explore commonly asked questions about business type, industry and state.