Accidents happen — it’s part of life. Whether the accident warrants a quick trip to the emergency room or a lengthy hospital stay, medical expenses are involved. When the accident occurs on the job, it’s the employer who picks up the tab.
Unless the business is one of the exceptions, Massachusetts workers compensation insurance is not an option! Why? As a rule, a company with any amount of employees is mandated to purchase workers compensation insurance to cover medical expenses, permanent disability, and a portion of the injured employee’s wages. On-the-job injury resulting in the death of an employee is also covered; a death benefit is paid to the worker’s beneficiary. Companies can’t afford not to purchase workers compensation insurance: under the law, a company who pays out workers compensation is protected from civil lawsuits regarding injuries on the job.
Still not convinced of the need for workers compensation insurance? For companies who violate the mandate, the law is quite unforgiving: it’s a Class A misdemeanor not to provide coverage for workers, with severe monetary penalties. Repeated violations upgrade to a Class D felony. Termination of an employee who is injured while working and/or who files a workers compensation claim is also illegal.
If you’re on the hunt for a comprehensive workers compensation insurance policy, you’ve come to the right place. Berry Insurance Agency, Inc. can provide you with a coverage program that ensures the protection of both you and your employees.
While many businesses are cutting corners to remain afloat in a struggling economy, insurance costs are escalating. Controlling workers compensation costs means working with a broker that is experienced and knowledgeable. At Berry Insurance, our brokers are Certified Workers Compensation Advisors and are qualified to handle all your workers compensation needs. We will work with your business to create a safer work environment for your employees, improve productivity in your company, and increase profitability for you.
We can also provide you with a free workers compensation insurance quote. There’s no commitment associated with filling out our online form, and you’ll be surprised at how much you can save by choosing to place your policy with Berry Insurance Agency, Inc.!
This is great advice. If you are a business owner, you absolutely need this insurance to protect your employees and your assets. If you are running a business, there are no excuses to not do it the right way, which includes having all aspects of your business insured. If you are unsure of the details, contact a business lawyer. They can explain the necessity in obtaining these insurances as well as the heavy consequences if you don't.
In cases where employers do not post attention of workers' compensation rights, which by law is required, we all have the right to receive medical attention from our physician. During these unforeseen circumstances, such as work related accidents, it is really hard to not be able to perform job duties due to injuries. So that is why workers' compensation can be a great help if something unpredictable happens. Make sure when you hire an attorney with exceptional knowledge with these cases.