Workers compensation laws were created to protect employees who are injured on the job. In most states, if you have employees, you are required to have workers compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Having workers compensation insurance in MA is a good idea also because it can protect employers from lawsuits resulting from workplace accidents in addition to providing medical care and compensation for lost income to employees hurt in workplace accidents. No matter how safe you think your workplace is, you need workers compensation insurance to ensure that even one accident doesn’t turn into a major loss for your company.