Every employer in the Commonwealth of Massachusetts is required have workers’ compensation insurance or be able prove there are enough funds to qualify as a self-bonded entity with an injury fund. This is usually only the case for state and municipal agencies and does not come up much in the case of private employers.
However, some companies choose to have more than one account instead of paying for high limits on a single policy. These employers have tried to pick and choose which carrier should be liable in the event a worker is injured, but the insurance companies did not like pick and choose approach to dealing with workers’ compensation claims. Continue reading