Workers’ Compensation Insurance in Melrose MA
Gilbert is a leading provider of Workers’ Compensation Insurance in Melrose MA
All businesses throughout Greater Boston and the North Shore are required by the state of Massachusetts to have Workers’ Compensation Insurance. This may not be a surprise to business owners like you, but what may be news to you is that you and your employees have more power than you may think in impacting the premium you’ll pay.
At Gilbert, our team of experts has spent the last 65 years helping businesses of all types and sizes comprehend the rules and regulations concerning Workers’ Compensation, reduce risk in the workplace, and access cost-effective business insurance solutions. As your local independent agent, our team partners with you to ensure that you’re not missing this critical coverage for your organization and we also serve as your one-stop shop for all of your other business insurance needs.
We Proudly Specialize in the Following:
- Workers’ Compensation Insurance in Melrose MA
- Workers’ Comp Coverage in Melrose MA
- Commercial Coverage
- Business Insurance
- Liability Coverage
- Professional Liability Insurance
- Group Health, Dental and Vision
- Group Disability and Life
- Contractors Insurance
- Builder’s Risk Coverage
- And much more!
Workers’ Compensation Insurance in Melrose MA
With very limited exceptions, all Melrose MA businesses are required by state law to have workers’ compensation coverage. Despite this, new business owners and well-established owners, alike, may find the workers’ compensation process aggravating because nobody has ever fully explained the fundamentals of this crucial coverage and how it works to protect both you and your employees. This is why our team at Gilbert will always begin a new business client relationship by sharing our insight and reviewing your current insurance coverage. Our initial objective is to clear up any questions you may have about workers’ compensation insurance in Melrose MA, including whether or not your business may be exempt from the law, and to establish if you are at risk for any fines or penalties. Helping company owners like you reduce possible risk in the workplace and access the most affordable business solutions is a priority for our team at Gilbert Insurance.
Learn more about workers’ compensation insurance in Melrose MA and the additional business offerings from our team. To find out what Gilbert can do for you please don’t hesitate to contact us for a complimentary consultation and quote.
What You Should Know About Workers’ Comp Coverage
When we talk to our business insurance clients about workers’ comp coverage in Melrose MA, we often begin the discussion by dispelling misguided beliefs; the largest of which seems to always be that some companies don’t need it. Regardless of how many hours your employees work or if your employees are relative or family members, you are still required to have workers’ comp coverage in place. It is true that you may be one of the very few companies that could be the exception to the rule, but it’s important to consult with a member of the Gilbert team who will carefully assess your business scenario to ensure that you are not putting yourself at risk by ignoring protection that you are required to have.
Workers’ compensation insurance in Melrose MA is much more than a protection for employees of your company; it can help your company stay out of financial trouble by covering costs related to an employee who is injured or taken ill as a result of employment. In addition, you should know that workers’ compensation premiums are not one-size-fits-all. In reality, they are largely based on a company’s accident history as compared to that of other businesses in their industry. By taking the necessary precautions to minimize workplace injuries, you and your employees may be able to significantly impact your insurance costs. While a safe workplace environment starts at the very top with you, the decision maker or business owner, each of your employees can play a role by understanding the best practices in your industry. From scheduling monthly inspections of commercial vehicles to always using the correct personal protective clothing to maintaining a clean and orderly environment, implementing workplace safety standards can lead to not only a low accident experience but as much as a 25% reduction in your cost of insurance.
Find out more about workers’ comp coverage in Melrose MA and inquire with us today to request a free consultation from our team of experienced insurance experts.
Why We’re the Trusted Choice for Local Businesses
Since 1951, the Gilbert Insurance Agency has been committed to providing knowledgeable, professional advice and helpful customer service to business clients in Melrose MA and throughout the Greater Boston area. Over the long-term, our experience has led Gilbert to partner with only the top carriers that can provide our clients with a wide range of high quality and cost-effective business insurance solutions. Workers’ comp coverage in Melrose MA is no exception. A number of our carriers offer discounts off the standard workers’ comp coverage rates for particular types of companies, and larger companies may also be eligible for a workers’ compensation dividend program, which compensates qualifying employers in the form of dividend payments based on how well their policy performed in regards to claims. Contact Gilbert Insurance today with all of your questions about workers’ compensation insurance. We would be happy to offer you a free consultation and analysis of any current policies as well as share everything you need to know about this important coverage.