Workers’ compensation insurance is essential for every business in Massachusetts. It provides financial protection to employees who suffer work-related injuries or illnesses—and legal and financial protection to the employer.
Why It’s Critical:
Required by Law: Massachusetts mandates workers’ compensation for nearly all employers—even those with only one employee.- Covers Medical Costs & Lost Wages: Ensures injured workers get the care they need and partial income while they recover.
- Protects Your Business: Helps avoid costly lawsuits and fines by complying with state labor laws.
- Boosts Employee Trust: Shows your team that you prioritize their safety and well-being.
Serving Fall River and the Boston Area: Local Expertise You Can Trust
At New England Family Insurance, we specialize in helping local businesses in Fall River and Greater Boston understand and meet their workers’ comp requirements.
We offer:
- Personalized policy guidance
- Competitive pricing for small and mid-sized businesses
- Fast, responsive local service
- Help with claims and audits
Whether you’re running a construction firm in Fall River, a tech startup in Boston, or a restaurant anywhere in between, we’ll make sure your coverage fits your needs—and keeps your business protected and compliant.
The Truth About Waiver of Subrogation
Some insurance providers—especially those who brand themselves as “risk advisors”—tend to oversell the waiver of subrogation as if it protects you from being sued. That’s not accurate. A waiver of subrogation simply prevents another party’s insurance company—such as a subcontractor’s—from seeking reimbursement from your insurer after paying out a claim.
It’s important to understand that this waiver does not prevent a third party, like a property owner or injured individual, from suing you directly. If you or your employees were negligent, you can still be held liable, and a claim can still be filed against your policy.
The waiver can help in situations where your company was not at fault—because it may prevent a subcontractor’s insurer from dragging your insurer into the situation—but that’s essentially the limit of its protection. It’s a useful risk management tool, not a legal shield.
