Workers Compensation

When it comes to labor needs, nonprofit organizations often rely heavily on the support of their volunteers and board members. Nevertheless, there are times when the scope of a job can exceed the skills and abilities of that body of unpaid workers, which gives way to either hiring a contractor or taking on an employee. Laws surrounding the definition of independent contractors versus employees can be difficult to navigate, and can bring on tremendous costly if interpreted incorrectly.

We believe in the importance of advising and educating our nonprofit clients so that they understand what is required for insurance, what is covered by a Workers’ Compensation policy, as well as the basis for its pricing. Each state has varying statutes regarding workers’ compensation, and we pay close attention to each individual state’s rules. States determine what injuries are covered, and to what extent. They also determine how much coverage employers should purchase.

We take the time to focus not only on placing coverage for you, but to also recommend any available safety programs that can help you manage your costs. Guidance like this is part of the partnership you’ll enjoy by working with Mason & Mason on your Workers’ Compensation insurance as well as the other pieces of your nonprofit’s insurance program.

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Nonprofit Organization Insurance Team

"Mason & Mason is a community-minded business with a sincere interest in bettering all aspects of the local community. They have been very generous to Tin Mountain with time and resources. When it comes to community involvement the team at Mason & Mason lets their actions speak for them."


Lori Jean Kinsey, Executive Director of Tin Mountain Conservation Center

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Don’t assume. Whatever you do, don’t assume that your condo association has you covered. Do some research, get answers and get peace of mind.