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    Workers Compensation policies provide protections for employees who are injured or suffer a work-related illness as a result of their employment. This type of insurance also covers an employer against legal action that an injured employee may pursue against the employer. Employers have an obligation to provide benefits for injured employees, either through self-insured programs from financially stable firms, or by purchasing a Worker’s Compensation policy.
    Any business that operates within Massachusetts and has employees is legally required to carry workers comp for the business’ employees. Businesses that fail to provide employees with coverage may be fined or face other legal consequences.
    • Part 1,promptly pay benefits of Medical Expense Benefits, Income Benefits, Dependant Funeral Expense Benefit and Rehabilitation Benefits for an injured employee.
    • Part 2,employers liability responds to third party legal suits against the employer. This coverage is for non-employees such as a dependent of an employee.

    What is Workers Compensation Insurance?

    Thousands of work-related illnesses and injuries occur every year, many of which are serious. Workers Compensation policies provide protections for employees who are injured or suffer a work-related illness as a result of their employment.  This type of insurance also covers an employer against legal action that an injured employee may pursue against the employer.  Employers have an obligation to provide benefits for injured employees, either through self-insured programs from financially stable firms, or by purchasing a Worker’s Compensation policy.  Insurers that provide Workers Compensation policies are obligated to the employee, not the employer that purchases the policy. 

    Workers Compensation Insurance Massachusetts

    What Massachusetts Businesses Need Workers Comp?

    Any business that operates within Massachusetts and has employees is legally required to carry workers comp for the business’ employees. Businesses that fail to provide employees with coverage may be fined or face other legal consequences. 

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    TESTIMONIALS

    Customers Love Us

    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    What Exactly Do Workers Compensation Policies Cover?

    Several Parts to a Workers Compensation Policy that protect the employer and offer benefits to the injured employee. 

    • Part 1, promptly pay benefits of Medical Expense Benefits, Income Benefits, Dependant Funeral Expense Benefit and Rehabilitation Benefits for an injured employee.
    • Part 2, employers liability responds to third party legal suits against the employer. This coverage is for non-employees such as a dependent of an employee.
    • Part 3, is an optional coverage. This optional coverage provides protections to employees that travel to other to Other States.

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    Sources of Workers Compensation Coverage?

    All States require an employer to provide the ability to pay for injuries to employees.  Employers have the option to purchase private insurance coverage from insurer, obtain insurance from an assigned risk plan or State funds may provide coverage to employers.  However, the most common way to provide Workers Compensation is by purchasing a policy from a private insurance carrier.

    Workers Compensation Insurance Massachusetts

    How Can Businesses in Massachusetts Get Workers Compensation Insurance?

    First, policyholders should determine the type and amount of coverage that best suits their business needs. Most Workers Compensation policies are purchased through private insurance carriers. Our Commercial Lines Insurance Agents are have the knowledge to write a policy for your unique business while comparing carrier rates to help save your business time and money!

    Receive a Free Workers Comp Quote!
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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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