Workers’ Compensation Insurance in Somerville MA
Gilbert is a leading provider of Workers’ Compensation Insurance in Somerville MA
All organizations located in Greater Boston and the North Shore are required by the state of Massachusetts to have Workers’ Compensation Insurance. This is probably not 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 affecting the premium you’ll pay.
At Gilbert, our professionals have spent the last 65 years helping companies of all types and sizes comprehend the rules and regulations that govern Workers’ Compensation, reduce risk in the workplace, and access affordable business insurance policies. As your local independent advisors, 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 many of your other business insurance needs.
We Proudly Specialize in the Following:
- Workers’ Compensation Insurance in Somerville MA
- Workers’ Comp Coverage in Somerville MA
- Commercial Coverage
- Business Insurance
- Liability Coverage
- Professional Liability Insurance
- Group Health, Dental & Vision
- Group Disability and Life
- Contractors Insurance
- Builder’s Risk Coverage
- And much more!
Workers’ Compensation Insurance in Somerville MA
With only a few exceptions, all Somerville MA organizations are required by Massachusetts laws to have workers’ compensation coverage. Despite this fact, new business owners and well-established ones, alike, may find the workers’ compensation process frustrating because nobody has ever fully explained the reasoning behind this required coverage and how it works to protect you and your staff. This is why we always get started with new clients by sharing our knowledge and reviewing your current coverage. Our initial objective is always to clear up any questions you may have about workers’ compensation insurance in Somerville MA, including whether or not your business may be exempt from the law, and to establish if you are at risk for any penalties or fines. Helping business owners like you reduce workplace risk and access the most affordable business solutions is a priority for our team at Gilbert Insurance.
Read more about workers’ compensation insurance in Somerville MA and the additional business offerings from our team. To find out what Gilbert can do for you please do not 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 Somerville MA, we often begin the conversation by dispelling misguided beliefs; the largest of which seems to be that some businesses don’t require this type of insurance. However, regardless of the number of 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 in fact be one of the very few companies that could be the exception to the rule, however, it’s important to consult with a member of the Gilbert team who will carefully explore your business scenario to ensure that you are not endangering your business by ignoring protection that you are required to have.
Workers’ compensation insurance in Somerville 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, it’s important to understand that workers’ compensation premiums are not one-size-fits-all. Instead, they are based on a company’s accident history and how it compares to other companies in their industry. By taking the necessary precautions to minimize workplace accidents, 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 business owner or decision maker, each of your employees can play a role by understanding the best practices in your industry. From scheduling routine commercial vehicle inspections to always using the correct personal protective clothing to maintaining a clean and orderly environment, implementing workplace safety standards can not only lead to a low accident experience but can also result in as much as a 25% reduction in your cost of insurance.
Learn more about workers’ comp coverage in Somerville MA and inquire with us today to request a free consultation from our team of experienced insurance professionals.
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 commercial clients in Somerville MA and the Greater Boston area. Our partnerships with only the best insurance carriers in the industry mean that we can provide our clients with a wide variety of high quality and affordable business insurance solutions. Workers’ comp coverage in Somerville MA is no exception. A number of our carriers offer discounts off the standard workers’ comp coverage rates for certain types of businesses, and larger businesses may also be eligible for a workers’ compensation dividend program, which rewards businesses 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 all you need to know about this important coverage.