Workers’ Compensation  Insurance

When employees get hurt on the job, the right coverage protects them—and your business. At F&T Insurance Agency, we help companies across Massachusetts, Rhode Island, Connecticut, and New York secure reliable workers’ compensation insurance with support at every step.

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Support When It Matters

Workers’ Comp That Works for You

Whether you manage a salon in Providence, a warehouse in Worcester, or a contractor crew in Stamford, we help you meet legal requirements and take care of your team. Our workers compensation insurance policies are tailored for real-life situations—not legal fine print.

Medical Expenses Covered

Our workers comp coverage includes treatment, rehab, and follow-up care costs for workplace injuries and occupational illnesses.

Lost Wages Replacement

We help provide income to injured employees while they recover. Our employee injury insurance solutions are essential for worker peace of mind.

Compliance with State Law

From paperwork to premium management, we make sure your workers comp policy meets every state requirement—so you stay focused on your business.

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What Employers Want to Know

  • Is workers’ comp required in MA?

    Yes. Most businesses with employees are required by law to carry workers’ compensation insurance. We help you comply and protect your team.


  • What’s covered under workers’ comp?

    Medical bills, lost wages, rehabilitation costs, and sometimes death benefits are included. We explain exactly how it works for your situation.


  • How are premiums calculated?

    Rates depend on industry risk, payroll size, claims history, and location. We shop affordable workers comp MA plans from trusted providers.


  • What happens after a claim?

    We guide you and your employee through the claims process, offering support and helping prevent disputes or delays.

  • Can I bundle workers’ comp with other business coverage?

    Yes. We offer workers compensation insurance from providers MA-wide and can combine it with general liability or property insurance for full protection.

You’re Not Alone

We Guide You Through It

F&T Insurance Agency goes beyond compliance. We provide real answers, file your paperwork, and help you and your employee through the claim process—step by step. No forms left unanswered. No one left in the dark.

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