Massachusetts generally requires employers who have employees to carry workers compensation insurance, but subcontractors fall into a gray area. Sometimes businesses need to provide workers comp insurance coverage for subcontractors, and other times they don’t. If a business has to provide coverage, its policies premiums typically increase -- and sometimes they increase unexpectedly. The easiest way to reduce the likelihood that hiring subcontractors increases your West Springfield, MA business’ workers comp insurance premiums is to only hire subcontractors who have their own insurance coverage.
