All employees in Massachusetts must carry workers’ compensation insurance for all employees and themselves if they are a member of the company. The requirement applies to everyone no matter how many hours worked or the number of employees. The only exception is for domestic employees who must work at least 16 hours a week to be eligible for workers’ comp insurance.
Members of limited liability companies (LLC), partners of a limited liability partnership (LLP), or sole proprietors of an unincorporated business do not have to carry workers’ comp insurance for themselves. This exemption does not include employees who are not members of the LLC or LLP. They must be covered. If these exception cases want coverage, they should contact an insurance broker.