Small-business cover in Massachusetts.
In Massachusetts, workers’ comp is required at Required for all employers with one or more employees (including part-time and family members; domestic workers must work 16+ hrs/week)[S]Massachusetts workers' compensation threshold. Workers' compensation is mandatory for virtually all Massachusetts employers from the first employee under M.G.L. Chapter 152. LLCs and LLPs without employees other than members/partners are exempt, but coverage is required as soon as any employee is added. Construction supervisor and home-improvement contractor registrations apply. Regulated by the Massachusetts Department of Industrial Accidents.
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Massachusetts starts with workers' compensation, required at Required for all employers with one or more employees (including part-time and family members; domestic workers must work 16+ hrs/week), plus the general liability that most clients and licenses ask for before you can take a job.
What does Massachusetts require?
Required for all employers with one or more employees (including part-time and family members; domestic workers must work 16+ hrs/week)[C]Massachusetts workers' compensation threshold
Workers' compensation is mandatory for virtually all Massachusetts employers from the first employee under M.G.L. Chapter 152. LLCs and LLPs without employees other than members/partners are exempt, but coverage is required as soon as any employee is added. Construction supervisor and home-improvement contractor registrations apply. Regulated by the Massachusetts Department of Industrial Accidents.
What licensing and bonding does Massachusetts require?
- Home Improvement Contractor (HIC) registration applies to residential work
- Broad first-employee coverage requirement, few exemptions