What is Workers' Comp Insurance?

Workers’ Compensation insurance, also known simply as Workers’ Comp, covers a percentage of lost wages and medical expenses for employees who are injured or become ill on the job. It may also include costs for employee rehabilitation and death benefits. However, these benefits are only valid if the injury or illness is directly related to their job duties or employment, regardless of negligence.
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What Types of Instances Are Covered?

While there are a number of ways workers can be injured on the job, there are a few that are most likely to occur in the workplace:

• Slips and falls on wet surfaces
• Injuries from lifting heavy equipment
• Machinery malfunctions resulting in traumatic injury
• Injury from fires or explosions
• Carpel tunnel injuries
  

Who Needs Workers' Comp?

Workers Comp is mandatory in Massachusetts, and is required in nearly every U.S. state for any business with employees currently active on their payroll. Without this insurance, you put your business at risk financially to potential lawsuits in the event of an incident — and in most cases, you will be breaking the law and will be subject to significant fines and penalties. No matter what industry you are in, you are at risk for job-related accidents and will need a Workers’ Comp policy to protect yourself and your business.
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How Much Does Workers' Comp Cost?

Depending on the size of your business payroll and your risk operations for an accident, Workers’ Comp costs will vary. At Doherty Insurance, we’re here to help you find the best solution for your business and will work with you to match you with the appropriate policy.