Workers’ Compensation Policies & Coverages

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Workers’ Compensation Overview

All employees in Massachusetts are required to carry workers’ compensation insurance covering their employees, including themselves, if they are an employee of their company. This requirement applies regardless of the number of hours worked in any given week, except for domestic service employees who must work a minimum of 16 hours per week in order to require coverage. As an independent agency in Massachusetts, Phil Richard has strong relationships with a number of insurance companies offering Workers’ Compensation products, guaranteeing our customers the best pricing and the most comprehensive options. Our unique “pay as you go” payment model insures low and no cost payment terms to help you maintain cash flow and minimize premiums. If one of your employees is injured on the job, you can rely on the Workers’ Compensation coverage you’ve obtained through Phil Richard Insurance.

Workers’ Compensation Key Facts

  • Employers are required to notify their employees of the name of the workers’ compensation insurance carrier. A NOTICE TO EMPLOYEES poster must be positioned in a common area of the workplace.

  • Workers’ Compensation insurance is optional for members of LLC’s, partners of a Limited Liability Partnership (LLP), and partnerships or sole proprietors of an unincorporated business.

  • Employers must electronically file reports of work-related injury or illness with the Department of Industrial Accidents immediately or within the statutory time limits provided by law.

Frequently Asked Questions

What may happen if an employer does not have workers’ compensation insurance?
Employers operating without workers’ compensation insurance will be issued a Stop Work Order and assessed a fine per each day until adequate insurance coverage becomes effective.
When does an injured employee become eligible for workers’ compensation benefits?
An injured worker becomes eligible for weekly compensation benefits when they are not able to earn wages for five full or partial calendar days as a result of a work-related injury or illness.
What happens after an employee reports a work-related injury or illness?
Employers have seven calendar days, not including Sundays and holidays, from the notification of injury or illness to electronically file a report of injury. For every report, an employer should make sure to mark the exact date that the injury or illness was reported to prevent fines or other penalties.
Workers' Compensation Insurance Service Area
Phil Richard Insurance, located in Danvers, MA, offers Workers’ Compensation Insurance services to the North Shore of Massachusetts including but not limited to Danvers, Peabody, Beverly, Salem, Newburyport, Ipswich, Rockport, Gloucester, Marblehead, Swampscott, Amesbury, Georgetown, Lynnfield, Middleton, Hamilton, Wenham, Greater Boston Area, and more. We also serve New Hampshire, Connecticut, and Maine.

See what our clients have to say:

I Just wanted to tell you how much I enjoy working with Jackie Montes. She’s the best! She’s efficient, professional, and always on the ball. It’s a pleasure to deal with her!! She has helped me out tremendously with getting all our insurance requirements for the Compliance Depot (nightmare!) and I can always count on her to get my COI out in a timely manner. I never have to worry about anything when I deal with her.

Excellent staff member!!

Tina W. April 19, 2017

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27 Garden Street

Unit 1B
Danvers, MA 01923




Office Hours

Monday: 9am – 4:30pm

Tuesday: 9am – 4:30pm

Wednesday: 9am – 4:30pm

Thursday: 9am – 4:30pm

Friday: 9am – 4:30pm

Sat – Sun: Closed




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