Massachusetts Workers’ Comp — Who’s Covered, When, and How

Class Focus: Workers’ compensation in Massachusetts has strict requirements, but agents often stumble with gray areas around employment status, endorsements, and multi-state risks.
Key Topics:
• Who needs to be covered — employees, officers, subcontractors, volunteers
• Independent contractor rule in MA (3-part test and 1099 traps)
• Coverage for sole proprietors, LLCs, and partners — and what endorsements fix it
• Just what is the State Statute box on the COI mean?
• Employers Liability (Part 2) — rarely understood, often critical