Workers’ Compensation Insurance in Massachusetts

From small shops in Westport to construction sites in Worcester, Massachusetts employers need reliable protection for their people—and their business. At F&T Insurance Agency, we help companies across the state secure workers compensation insurance MA businesses can count on, with local guidance and real support at every step.

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Coverage That Works in Massachusetts

Workers’ Comp Made Clear and Compliant

Whether you run a salon, a contracting crew, or a family business, we make sure your workers comp coverage MA meets legal standards and protects your employees when they need it most. We help you understand your responsibilities and compare affordable workers comp MA options that fit your industry and team size.

Medical Expenses Covered

We help cover the cost of treatment, rehab, and recovery after a workplace injury—so your employees are supported and your business stays compliant.

Lost Wages Replacement

When an employee can’t work due to an injury, our policies provide income replacement to ease the financial burden on both sides.

Legal & Compliance Protection

Our workers compensation insurance MA policies help you meet all state requirements and reduce the risk of penalties, lawsuits, or audit issues.

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Questions Massachusetts Employers Ask

  • Is workers’ comp required in Massachusetts?

    Yes. If you have employees, you’re required to carry workers comp coverage. We help ensure you meet all state-mandated guidelines.

  • What does workers’ compensation cover?

    It typically includes medical treatment, wage replacement, and vocational rehab for work-related injuries or illnesses.

  • Can I save money on my workers comp policy?

    Yes. We compare plans and help identify savings based on your industry, payroll, and claims history.

  • What if my business is seasonal or part-time?

    We’ll help you structure coverage that adjusts with your operations—so you stay protected year-round without overpaying.

  • How do I file a claim?

    We guide you through every step—from reporting to resolution—so your employee gets the care they need and your business stays on track.

Your Massachusetts Partner in Compliance

Let’s Cover Your Team the Right Way

At F&T Insurance Agency, we treat compliance like a conversation—not a checkbox. We’ll help you protect your people, understand your policies, and get ahead of risk—all with the personal support you can only get from a Westport-based agency that knows Massachusetts business.

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