Insurance Line

Get workers insurance for your business needs | 617-864-2444

How would your business run without your employees? Would you be able to keep operating as normal for any significant length of time or would everything immediately grind to a halt? Most employers will not even want to consider the possibility of losing their staff for any reason. 

On the basis that you can’t do without them, you have to factor in everything that comes with employing them – the good and the bad.

There may be marriages, babies, many years’ service, professional achievements, and a range of other celebratory occasions, but you also have to remember that human beings are not infallible.

There will inevitably be occasions when employees will get sick or injured, with many of occurrences happening at work. For their sake and yours, it is always hoped that they suffer something short term that can soon be resolved, but this is not always going to be the case. There are a multitude of ways in which this can occur, from losing fingers in industrial machinery to contracting lung disease after breathing in particles at work and everything in-between.   

With this in mind, it is a good idea to ensure you have workers compensation insurance in place; this will ensure that you can take care of the situation should any employee suffer injury, disability, or illness as a result of being on the job whether on the premises for not. 

Not a good idea, I hear you cry? Tough luck! In most state, all employers in the private sector – even if they only have one employee – are required to purchase workers compensation insurance or qualify as self-insurers. Accordingly, it is both a criminal and a civil offense to fail to maintain workers compensation insurance; this could result in penalties of a stop work order, a fine of $100 per day, and/or a period of imprisonment of up to a year. The exception is sole proprietors and partnerships who are not required to obtain workers compensation insurance for themselves, but they can on a voluntary basis if they wish. 

US law dictates that all businesses – regardless of their size or industry type – must have workers compensation insurance, which will provide benefits to the afflicted employees. All permanent, full-time employees must be covered from day one, whereas it is an elective for seasonal, casual, and part-time domestic workers. A notice must be posted at each of the company’s locations displaying the insurance provider’s details. 

While you might be dreaming of the day where AI and robotics will be perfected so that you do not have to worry about the trials and tribulations of employees, we are not there yet as it could be too expensive, untested, or unsuitable. Accordingly, you do need to be prepared and ensure that you comply with the law.

Econosurance can give you advice on the workers compensation insurance requirements of your business and give you a quote. Call us at 617-864-2444 or fill our easy online form.




Card image cap
Get a Quote

Get a quote instantly. All we need is some basic information about your home, auto or business.

Card image cap
Complete the Application

Accepted the quote? You are ready to complete the application quickly & easily online! You will receive all the documents you need and any signatures that are required will be captured via Docusign.

Card image cap
Get Covered

Upon carrier approval, you will be covered and ready to enjoy all the peace of mind that comes with it. You'll receive an insurance binder with all supporting documents.

Simplify & Save

Bundle your Home and Auto Insurance

Elizabeth M.

Duke is great, friendly staff, always offers the best service but also the best premium for the coverage! I have the utmost confidence and trust in him. I high Read More

M J.

Duke helped me where others would nit..He is on the mark and most Friendly with his advise.. I want to use him and his Agency more!!

Michael S.

Its my second year with Duke and Econosurance.They are wonderful people, amicable and very much concerned about their customer.They hear from you your need and Read More

Avinash R.

Duke and his staff are so attentive and work swiftly. I first came to them for my home owners insurance, but has since also switched my auto insurance to them Read More

Elga D.

Duke is extremely knowledgeable and kind. I have used his services for over 13 year and would strongly recommend this company.

Kiet C.

"This is my first experience with Econosurance and they are simply the best!" I have been a customer with another insurance company for ten years and Read More

Peggy M.

I had never heard of Econosurance until I started shopping for homeowners insurance.   After reading all of their positive reviews I gave them a call and I sp Read More

Janet P.

Duke got me a great rate and is always there for questions and support when I call. I did my commercial and my auto policy through him. I know he does much mor Read More

Nadeem M.

Duke is the best agent. He is always available to answer question. I have my personal and business insurance with econoinsurance because they provide all the c Read More

Glenda P.

This is the best insurance company in town!! This company has helped me save a lot of money on car insurance, and I am forever grateful for their professional Read More

Richard C.

Unmatched reliabilty, reaction in time of need, great rates, customer care and advice leaves me glad to do business with you.

Majoba M.

I had the opportunity to work with the amazing Duke Rateau recently. I was completely blown away by his professionalism, responsiveness, his willingness to go Read More