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.