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Massachusetts Workers Comp Info

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MA Workers Comp Information

Find the latest news and information about Massachusetts workers compensation insurance.

Any person or business with any employee(s) must provide workers' compensation insurance coverage. The only exceptions to this rule include: a) individuals having work done to their home, b) non-profit entities with no p[aid employees, and c) corporate officers who own 25% or more of the business who have no other employees and have completed and filed an affidavit to be excluded from coverage. All other employers should purchase coverage.

The Massachusetts Division of Insurance regulates workers compensation in the state. They are responsible for approving workers; comp rates, classification codes, rating plans, and policy coverage forms.

The Workers' Compensation Rating and Inspection Bureau (WCRIB) is appointed to administer Massachusetts's Assigned Risk Pool.

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MA Regulatory Authority and Rating Bureau

Workers Compensation Rating and Inspection Bureau of Massachusetts
101 Arch Street
Boston, MA 02110

Workers' Comp Exemptions in MA

Sole-proprietors, partners, and limited liability company members with no employees are not required to purchase workers compensation coverage on themselves. They may, however, choose to purchase a policy to cover themselves. In many cases, sub-contractors may be required to buy coverage by a general contractor prior to performing any work for the general contractor.

Officer of a corporation are included on workers' comp coverage by default. They may elect to exclude themselves from coverage if they own more than 25% of the corporation. In order to be excluded for coverage, corporate officers must complete and file the Affidavit of Exemption for Certain Corporate Officers or Directors Form with the Department of Industrial Accidents:

Department of Industrial Accidents
Office of Investigations
1 Congress Street, Suite 100
Boston, MA 02114-2017

MA Workers' Compensation Compliance

Employers who do not have an active policy in place may be issued a Stop Work Order by the DIA Office of Investigations. They will be fined a minimum of $100.00 per day from the date of the Stop Work Order up until a valid policy becomes affective. The Stop Work Order will remain in effect until the insurance becomes effective and the fine is paid by the business owner.

Employers may also be subject to criminal sanctions against their business including up to 1 year in prison and/or an additional $1,500.00 fine if convicted. They will not be able to provide work related to any public contracts for a period of 3 years. In the event an employee is injured while an employer is uninsured, the employer will be liable for all costs associated with the injured employee's medical bills and lost wages.

Policy Cancellations in Massachusetts

Insurance companies can only cancel an active insurance policy in Massachusetts prior to the annual renewal date for 3 reasons:

  1. Non-payment of insurance premium
  2. Material misrepresentation or fraud
  3. Substantial increase in the hazards due to a change in operations
Injury Reporting Requirements in MA

Massachusetts requires employers to report work-related injuries electronically using the Employer's First Report of Injury/Fatality (Form 101) anytime an employee is not able to earn wages for 5 calendar days due to an injury. The form must be filed with the DIA within 7 calendar days (excluding weekends and holidays) from the fifth day missed by the employee.

Family Members and Workers' Compensation

Family members are considered employees under Massachusetts law if they work for the business. The must be covered. LLC partners and corporate officers owning 25% or more may create an exception for family members employee status.

Massachusetts Workers' Comp Verification Tool

The Department of Industrial Accidents provides a free online tool to help individuals and businesses verify whether or not an employer has a current workers' compensation insurance policy. To utilize Massachusetts Proof of Coverage Verification Application click below:

MA Proof of Coverage Verification Tool

Massachusetts Experience Modification Factors

Employers with an annual premiums over $5,500.00 are eligible to receive an intrastate experience modification rate issue by WCRIBMA. The program is mandatory and both private insurance carriers and Assigned risk carriers are required to apply all experience modifiers to the policy's manual premium.

Experience modifiers are used to compare each employers own loss experience with the average insured's in the same class codes. A good average loss experience will result in a credit modifier below 1.00. A poor average experience will result in a debit modifier above 1.00, and will result in a premium increase.

Premium Discounts in Massachusetts

Premium discounting applies to all workers' compensation policies in Massachusetts that develop a standard premium greater than $10,000 annually. The rationalization behind premium discounts is that the administrative expenses for insurance companies diminishes as the premium increases. Insurance companies must elect one or two premium discount programs determined by the state and then adhere to that discounting structure for one year before electing to change plans. Discounts range from 5.1% to 12.3% of manual premium.

Schedule Credits and Merit Programs in MA

Massachusetts state law allows for merit program credits up to 5% on certain policies over $500 when the employer does not qualify for an experience modifier. The state also allows for private insurance companies to offer scheduled credits on insurance policies as long as the premium credits and scheduled rating plan is filed and approved by the Massachusetts's Division of Insurance.

Getting Coverage in Massachusetts

Massachusetts workers' compensation insurance can be purchased through insurance agents and agencies licensed to sell insurance in the Commonwealth of Massachusetts. This applies to both private insurance and Assigned Risk coverage. Many employers benefit from buying coverage from private insurance companies due to their low rates, discount programs, and scheduled credits.

A Workers Compensation Shop Specialist can help your business find the most affordable workers' compensation quotes in Massachusetts. Call 888-611-7467 today, or start a quote online.

More Programs and Quotes

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

• Contractors

• Home Healthcare

• Janitorial Services

• Transportation

• Hospitality

• And More

Better programs from your commercial insurance brokers.

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Massachusetts Work Comp Information

MA Quick Facts

Workers' Comp is legally required for all employers.

Private insurance carriers are allowed.

There is no competitive State Fund.

Assigned Risk coverage is administered by The Workers' Compensation Rating and Inspection Bureau of Massachusetts.

Small deductible programs are permitted.

There are no extraterritorial provisions in MA.

MA does not recognize state reciprocity.

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Let Workers Compensation help your business navigate workers comp insurance in Massachusetts.



We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.

•   National workers comp Specialists

•   Licensed throughout the United States

•   Programs for standard and tough class codes


Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.

•   Pay As You Go insurance coverage

•   Easy billing and installment plans

•   We've helped over 35,000 business owners

Learn more about workers compensation insurance in Massachusetts Work Comp:   Massachusetts | MA Programs| MA Rates | MA Forms | MA Info | MA Quotes
Workers Compensation Agents Get a Free, No-Risk Quote.

Smart employers understand that not all insurance companies are the same. A lot of times rates can vary significantly from one carrier to the next. The amount of policy credits you can receive also vary because a lot of agents don't know how to negotiate the very best deals on workers' comp coverage.

For the most accurate information about workers comp insurance in Massachusetts, give one of our workers compensation Specialists a call at 888-611-7467 or start your quote here online.

Massachusetts Agency License: 1900404
National Producer Number: 5064979

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