Workers’ Compensation Policies & Coverages

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

I would like to thank Diane Familigetti for all of her time and prompt service. She is always there to help or answer any questions we may have in a timely manner.

Deanna H. April 19, 2017

Issues, questions & concerns were answered swiftly. rep was very patient& attentive with all my concerns. She went above & beyond to make it an enjoyable phone call. Far from the experience a family member had with Gieco.

Keep up the great customer service. LOVE IT

Betty M. April 19, 2017

Anytime I have an issue or question I receive great service from all the staff!!

Ken K. April 19, 2017

Everyone is so helpful!

Jack M. April 19, 2017

Great staff……

Phillip B. April 19, 2017

Have been a client for over 40 years very professional company we have only had a couple of accidents but Phil and staff have always been very helpful

Gail F. April 19, 2017

Mary Rawson has been a saint dealing with me as I went through a major upheaval.

Bobbi S. April 19, 2017

Diane is amazing.

Karyn A. April 19, 2017

Over the last year my husband and son’s vehicle have been involved in a few accidents. I have had to call/stop by the office to inquire about how or why the claims are not being dealt with on a timely manner. The receptionist, Kat, is always happy to refer me to someone who can get answers for me and that someone is usually Mary. No matter how busy she maybe she’s always takes the time to find the answers I need. She is so pleasant and helpful no matter how many times I stop in. I look forward to speaking with her because I know she will always do her best to get to the bottom of my issues. I truly appreciate the time and energy she affords whenever I stop by. Thank You Mary.

Joanne P. April 19, 2017

From the girl answering the phone to, usually Mary, everyone had been friendly, polite and helpful!

Mary M. April 19, 2017

I always get a prompt & thorough answer to my insurance questions

Penny W. April 19, 2017

Diane Famiglietti has been great to work with and has always been quick to respond to my inquires.

Ernest C. April 19, 2017

Everyone that I have dealt with has been excellent!!!!

Michael F. April 19, 2017

All the account managers I work with are extremely knowledgeable, helpful and courteous

Ed F. April 19, 2017

Thanks for your typical immediate response. The best customer service always!!!

Joe M. April 19, 2017

Mary, I appreciate your help with my auto insurance policy. You are a 5-star person in a 5-star agency.

Eric B. April 19, 2017

You guys are great over there.

Joanne R. April 19, 2017

Phil, Patti, Mary and Jacqui – Can’t begin to thank you enough for your support for our upcoming Jimmy Fund walk honoring our young friend, Emma, who lost her battle with Neuroblastoma.

Your generosity and support this year have been so amazing. You are a role model for better business!

Thanks for all you do.

Patty April 19, 2017

I love that you’re all so helpful and friendly there, thanks so much!

Susan April 19, 2017

I was referred to Phil Richard Insurance from a friend. I wanted a second opinion as I have a number of property and casualty insurance policies. Phil’s team, in particular Cindy, evaluated my needs and came back with recommendations. The insurance companies they proposed were top notch, they suggested some improvements to the coverage relative to what I had, and it was going to cost me less; so I moved all my policies over. I am very happy, look forward to a long relationship, and will be recommending Phil to my friends and clients.

Commercial & Personal Client April 19, 2017

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