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Massachusetts Workers' Compensation Requirements
Required from your 1st employee
✓ Verified 2026-09-08 Source: MA Department of Industrial Accidents ↗
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At a glance
1st
employee threshold (general)
1
construction threshold
Private market
buy from any carrier
MA Department of Industrial Accidents
official source (verified 2026-09-08)
The details
ALL employers regardless of employee count/hours (mass.gov). Exception: domestic employees working 16+ hrs/week must be covered (under 16 exempt).
FAQ
Do I need workers' compensation in Massachusetts?
Yes — Massachusetts requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in Massachusetts?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in Massachusetts?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Massachusetts's current enforcement posture.
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Official source: MA Department of Industrial Accidents · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules