Workers' Compensation

Accidents can happen even in the safest workplaces, and employers bear the responsibility to ensure protection even when their safety measures fail. To be prepared for employee accidents, employers must have Workers’ Compensation coverage. A Workers’ Compensation policy cover injuries and accidents that happen while an employee is on the workplace premises or away from the workplace on the course and scope of performing their duties. This insurance provides valuable benefits for the employer and for the employee who sustains injuries.

We believe in the importance of advising and educating our clients so that they understand what is covered by their 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 statutes. Each state determines what injuries are covered, and to what extent. They also determine how much coverage employers should purchase. Businesses that expand or cross over into other states, as many do in New England, must consider the different rules of each state in which they operate.

Workers who are injured must receive the necessary medical treatment, and there are guidelines for what treatments and diagnostic tests are considered necessary. Benefits for income replacement are based on whether the employee’s disability is temporary or permanent. Although some states allow the benefits to be paid for the entire length of the disability, some place limits on the amount of time that benefits can last.

Employers may wonder whether they need Workers’ Compensation coverage or not. In most cases, unless employees are paid on commission or they’re company partners, employers need to purchase Workers’ Compensation coverage. While some states allow for exemptions, speaking with us about individual state laws regarding Workers’ Compensation insurance is key.

A low volume of claims history, or a positive experience rating, can be beneficial for employers. That’s why we take the time to focus not only on placing coverage for you, but on the 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 insurance program.

Contractors & Subcontractors Insurance Program Team

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"Everyone I have ever spoken with at Mason & Mason always treated me as if I were their biggest client. ...I am a loyal client of Mason & Mason and have no intention of ever changing companies. Sound business planning would say that you should always check prices with other companies, but for me, it’s not always about saving a few dollars. It’s the relationships I’ve developed that are important."

Russ Busa, Sterling Homes Development Corporation

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Watch Your Step! Don’t Slip & ...

Slips and falls are one of the most frequent causes of accidents, both on and off the job. Each year in the United States, more than 300,000 people suffer disabling injuries from falls. Slips and falls can be fatal as well; they rank second only to automobile accidents, causing nearly 12,000 deaths a year. To avoid getting hurt from falls, avoid rushing and remember the following:

Watch Where You Walk

Be aware of where you are walking. Look down continuously for spilled liquids, materials, equipment, changing surface levels, etc. Make sure the area is well-lit or use a flashlight if lighting is poor.

Wear Proper Footwear

Make sure your shoes are in good shape and correct for the job. Discard worn-out shoes with smooth soles and other defects. If conditions are wet and slippery, wear non-slip shoes or boots. Avoid footwear with leather soles which have poor floor traction–especially on smooth surfaces.

Check Floor Openings

Avoid unguarded floor openings. On construction sites, when covers are placed over floor openings, avoid walking on the cover unless it is absolutely secure and will not move or collapse. Never jump over pits or other openings.

Be Careful On Stairs

Do not run when going up or down stairs. Check to see that stair treads are in good shape, with no obstructions on the steps. Always use the hand railings that are provided. Avoid carrying large loads when going up or down stairs and ensure that stairs are well-lit.

Use Ladders Correctly

Never use broken or defective ladders. Set the angle of the ladder at the proper four-to-one ratio (height to width angle). Make sure the ladder is on solid footing and will not move when you climb upon it. Whenever possible, tie your ladder to the structure to improve stability. Anchorage at the bottom is also a good idea. Never stand on the top two steps of a step ladder.

Make Sure Scaffolding Is Safe To Use

When working on scaffolding, make sure it is secure, stable and properly set-up. Do not work on scaffolding if guard rails are missing or the base is unstable. Check to see that planks are in good shape and not cracked. Tall scaffolds should be tied into a structure to increase stability.

Don’t Jump Out Of Vehicles

Never jump from equipment or vehicles. Use the handrail and steps provided, remembering the “three point rule.” Avoid stepping onto loose rocks, slippery surfaces, oil spills, etc.