Coverage that works as hard as your team.
Learn about workers' comp with Nobile and why it's essential to protecting your business.
What is workers’ comp insurance?
Workers' compensation insurance covers your employees if they're injured or become ill as a result of their work. It pays for medical expenses, lost wages, and rehabilitation costs, so your team is taken care of and your business isn't left holding the bill.
Workers' comp is required for all businesses in Massachusetts if they have even one employee. Whether you run a small office, a restaurant, or a contracting operation, if you have employees, you need it.
Finding the right coverage at the right price shouldn't be complicated. At Nobile, we make it easy to get coverage that works for you.
What’s covered with a workers’ comp policy
Last updated May 2026
Medical Treatment
Covers the cost of reasonable and necessary medical care resulting from a workplace injury or illness, including doctor visits, hospital stays, surgery, prescriptions, and physical therapy.
Lost Wages
If an employee can't work while recovering, workers' comp replaces a portion of their lost income.
Permanent Disability
If an injury leaves an employee completely and permanently unable to work, they may qualify for permanent total disability benefits.
Vocational Rehabilitation
If an employee can't return to their previous role, this coverage helps fund retraining, education, and job placement assistance so they can get back to work.
Death Benefits
If an employee dies as a result of a work-related injury or illness, workers' comp provides wage replacement payments to surviving dependents.
Important to note: Workers' compensation does not cover every situation. Ask us what’s actually covered in your policy.
Who needs a workers’ comp policy?
Last updated May 2026
Beyond the legal requirement, workers' compensation protects your business from the financial impact of workplace injuries and illnesses before they become a crisis.
In Massachusetts, any business with at least one employee is required to carry it. That includes:
Restaurants and cafes
Contractors and tradespeople
Retail shops
Salons and spas
Offices and professional services
Property managers
And more...
If you have employees, you need workers' comp. It's that simple.
Are you a sole proprietor or single-member LLC? If you operate completely on your own with no employees, you are not legally required to carry workers' comp for yourself.
Ways to save on workers’ comp
There are a few ways that you can save on workers’ comp insurance with Nobile.
Implement a workplace safety program.
Fewer injuries means fewer claims, and fewer claims means lower rates over time. Carriers reward businesses that take safety seriously, and documented training programs can qualify you for additional savings.
Set up a return-to-work program.
Getting injured employees back on the job in a modified capacity reduces the length of claims and keeps your loss history clean. That directly impacts your rate at renewal.
Ask about carrier-specific discounts.
Many carriers offer additional savings programs. We'll help you find every discount you're eligible for.
Utilize pay-as-you-go billing.
Instead of estimating your full annual payroll upfront, pay-as-you-go lets you base your premium on actual payroll each period. It improves cash flow and reduces the chance of surprise audit bills.
Contact us to learn about more ways we can help you save on business insurance.
Nobile loves businesses.
Commercial
- Commercial Liability (Including E&O)
- Workers' Compensation
- Commercial Auto (Fleet)
- Business Owner's Policy (BOP)*
- Surety Bonds
- Commercial Property
- Business Interruption (Business Income)
- Commercial Umbrella
- Crime (Cyber, Employee Theft, Forgery)
*Businessowners Policies (BOPs) typically bundle Business Liability, Business Interruption, and Business Property coverage into one policy.
Explore our comprehensive commercial insurance offerings for businesses of all types. List may not include all of our commercial products.
Last updated April 2026
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"I've been a loyal customer of Nobile Insurance Agency for over 40 years, and that alone says a lot. Whether it's home, auto, or any other coverage, they've always made the process clear and easy. It's rare these days to find a company that still values long-term relationships, and Nobile absolutely does.
— Dee N. (Current Client & Verified Google Review)
“I have been with Nobile for over 15 years and they have handled both my personal and business insurance coverage. They have always gotten me everything I requested in a timely manner. Highly recommend them for your insurance needs.”
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"So helpful and knowledgeable. My family has been using this agency for so long, I have to say for over 30 years. Each time I call them, I'm met with professionalism, helpfulness and knowledge. They know exactly what they're doing and always deliver exceptional service. Highly recommend!"
— Lisa G. (Current Client & Verified Google Review)
Workers’ Comp FAQs
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No. Workers' compensation is a separate policy and is required by Massachusetts law for all businesses with one or more employees. We can write your workers' comp alongside your BOP.
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Yes. Massachusetts requires any business with at least one employee to carry workers' compensation insurance, regardless of whether they work full-time, part-time, or seasonally. If you have employees, you need it.
Are you a sole proprietor or single-member LLC? If you operate completely on your own with no employees, you are not legally required to carry workers' comp for yourself.
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No, if you have zero employees.
By law, sole proprietors and LLC members are automatically excluded from coverage requirements.
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It depends on your industry, payroll size, and claims history. Lower-risk businesses like offices typically pay much less than higher-risk operations like construction or landscaping.
The best way to get an accurate number is to get a quote. We'll compare rates across our carriers and find you the best price.
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If you have employees, you need it.
That covers restaurants, contractors, retail shops, salons, offices, property managers, and just about every other small business in Massachusetts.
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Yes. In Massachusetts, it doesn't matter how many hours your employees work or how long they're with you. If someone is on your payroll, they need to be covered. Part-time, seasonal, and temporary workers all count.
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The state takes this seriously. If you're caught without coverage, the Department of Industrial Accidents can issue a stop-work order, which means your business has to shut down immediately until you get covered and pay your fines.
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This depends on the situation. Workers' comp generally covers any injury or illness that happens in the course of doing your job, not just injuries that happen inside your building. If an employee is hurt while making a delivery, working a job site, or running a work-related errand, they're typically still covered.
If you're unsure whether a specific situation would be covered, give us a call and we'll help you figure it out.
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Make sure they get medical attention first. Then, report the injury to us and your carrier immediately. Massachusetts law requires reporting workplace injuries resulting in 5 or more lost workdays within 7 calendar days.