Workers Compensation Insurance

• With limited exceptions, every employer in the Commonwealth with one or more employee(s) is required by law to have a valid workers’ compensation policy at all times.
• You are required to carry workers’ compensation insurance in Massachusetts if:
• You have any employees working in Massachusetts, including family members and yourself if you are considered an employee.
• You’re going to work for someone else. If you do work for a general contractor they may want you purchase a policy in order to work on a particular job they are overseeing.
• Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell

If you are a sole proprietor working for general contractor, they will need to see a certificate of insurance from you, otherwise they will need to cover you themselves and most likely charge you or deduct a portion of your payment to pay for that coverage.