Accidents happen every day. Let the Massachusetts business insurance experts ensure you aren’t paying too much for workers’ compensation insurance.

No business owner wants to think about their employee causing or having an accident on the job. However, in 2017, there were approximately 2.8 million nonfatal workplace injuries and illnesses reported by private industry employers.* Fortunately, workers’ compensation insurance is designed to protect both employees and employers in the event of a workplace injury.

The state of Massachusetts requires all businesses to carry worker’s compensation insurance to protect their employees.  The cost of a workers’ compensation policy is based upon factors such as your business class and payroll. Our commercial lines division knows your industry your industry and will make sure you understand and are being charged the correct amount for workers’ compensation.

To discuss a workers’ compensation insurance policy for your business, submit for a complimentary quote through our website or give us a call at (844) 501-1359.

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Let the business insurance experts at McSweeney & Ricci help you avoid workplace accidents and manage workers' compensation costs

Contractor using saw workers compensation insurance

The factors that determine the cost of your workers’ compensation policy are complicated, and claims paid for injuries to your employees and other changes, can cause your premium to increase. Our experienced commercial lines team takes steps to help decrease your risk of accidents and manage your workers’ comp costs:

  • Understanding your business: Each industry is exposed to different risks and it’s not just industries traditionally thought of as “dangerous,” (such as manufacturing and contracting), that experience workplace injuries. In fact, nursing and residential care facilities have three times as many non fatal injuries than all other industries combined.** We partner with you to thoroughly understand the unique risks faced by your business, provide you with the proper measures to help avoid loss, and the correct amount of insurance.
  • Loss prevention measures: the best way to keep your premium as low as possible is to not have claims. Slips and falls comprise one-third of all workplace injuries** and many of these accidents can be prevented. We’ll provide you with a complete loss control program and access to educational materials, giving you the tools to avoid injuries and promote a true culture of safety in your workforce.
  • Claims management: Unlike most agencies our size, we offer an in-house claims department.  Our claims specialists work with you to resolve your claim as quickly and efficiently as possible, while keeping you informed each step of the way. We’ll conduct a thorough claims review of any past or open claims, looking for recurring accidents and making recommendations to reduce future losses.
  • We’ll make sure you get all the discounts and dividends possible:  businesses that have successfully controlled their losses may earn a dividend and certain classes of businesses qualify for rate deviations and discount programs. Our team will perform a detailed analysis and ensure you’re receiving all the discounts and credits you’re entitled to.

Workers’ Compensation is an essential component of a complete business  insurance program, and it’s required in Massachusetts. Our team will focus on making sure you’re paying the correct amount for workers’ comp and that you’re fully protected, so you can focus on growing your business.

Let’s work together! submit for a complimentary workers’ compensation quote on this page or give us a call at (844) 501-1359 to get started.

*Bureau of Labor Statistics (BLS) Survey of Occupational Injuries and Illnesses (SOII)
**www.noobpreneur.com/2019/08/02/us-standard-products-workplace-injuries-analysis/

 

McSweeney & Ricci has provided us with insurance advice for over 45 years. I feel that having a great insurance agency working with us has been one of the reasons we have been successful over the years in business.
Richard Hoffman, Secretary & Treasurer, Scituate Concrete Pipe Corporation & President of Scituate Concrete Products