Understand your risks
What are you protecting when someone gets hurt on the job?
Tap each hotspot to see what matters most in a workers compensation policy and how it protects your team and business.
Medical treatment
Helps cover treatment costs when an employee gets hurt on the job.
How Amara helps:
Workers compensation helps pay medical expenses for covered workplace injuries. That can include doctor visits, emergency care, therapy, prescriptions, and other treatment needed after a job-related injury.
Coverage basics
Workers compensation explained in plain English
Here’s the simple version of the main benefits so you can understand what the policy is for and why compliance matters.
Medical
Helps pay for treatment after a covered job-related injury.
Lost wages
Helps replace part of an employee’s pay while they recover.
Rehab
Supports therapy and recovery services that help someone return to work.
Employer’s liability
Helps protect the business if a claim becomes a lawsuit outside the standard workers comp benefits.
Quick guide
What kind of workers comp setup do you need?
Use this to see what a workers comp policy is usually built around for your team.
One employee
Even a small business may need workers comp in Massachusetts if it has employees.
Office team
Usually needs payroll-based class codes and a policy that fits office or clerical duties.
Field work
Trades, contractors, and field teams often have higher-risk class codes and different payroll needs.
Seasonal help
If you hire seasonal workers, the policy should reflect payroll changes so you stay compliant.