The top-rated workers' compensation insurance agent in Lowell, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.7 stars across 225 reviews. Other highly rated options include Monica Insurance Agency Inc, Paul A. Balakin Insurance, Francis E. Provencher Insurance. This directory lists 20 workers' compensation insurance agents serving Lowell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 850 Chelmsford St | (978) 970-1500 |
| 2 | Monica Insurance Agency Inc | 11 Mill St | (978) 454-2577 |
| 3 | Paul A. Balakin Insurance | 81 Plain St #1 | (978) 441-3003 |
| 4 | Francis E. Provencher Insurance | 530 Rogers St | (978) 459-8681 |
| 5 | KK Insurance Agency, Inc. | 508 Westford St | (978) 970-2212 |
| 6 | Alpha Insurance | 648 Central St | (978) 459-4547 |
| 7 | Fred C. Church, Inc. | 41 Wellman St | (978) 458-1865 |
| 8 | Angela Westen Insurance | 543 Rogers St | (978) 735-4094 |
| 9 | I-insurance Group Inc | 799 Gorham St A | (978) 645-6996 |
| 10 | GLOBAL HELP CENTER INC | 1250 Lawrence St C2 | (978) 710-5593 |
A-Affordable Insurance Agency, Inc. serves Lowell, Massachusetts, and its surrounding communities as a Workers' Compensation Insurance Agent. It handles the procurement and management of policies that cover medical expenses and lost wages for employees injured on the job. The company focuses on helping local businesses comply with state requirements while seeking coverage that fits their specific operational risks. To handle a typical job, it assesses each client's payroll classifications and claims history to find a suitable insurer from its carriers.
Monica Insurance Agency Inc serves the greater Lowell, Massachusetts area as a workers' compensation insurance agent. The firm helps local businesses navigate the complexities of mandatory workplace injury coverage and premium determination. Agents work to match employers with policies that comply with Massachusetts state regulations while addressing each company's unique risk profile and payroll structure. They assist with claims reporting processes and provide guidance on experience modification factors. The agency handles medical-only claim filings and lost-time claim management support for area employers.
Paul A. Balakin Insurance serves local businesses, property managers, and construction contractors throughout the Lowell area by providing workers' compensation insurance coverage. It helps these clients meet state-mandated requirements while protecting their workforce against job-related injuries and lost wages. Tailored policies address the specific risk profiles common to various commercial operations in this region. For those seeking coverage or a policy review, the agency also handles requests from employers located as far west as Acton and Chelmsford.
Francis E. Provencher Insurance in Lowell, MA provides a full range of workers' compensation insurance solutions for local businesses. Their services include policy placement, claims management support, and premium audit assistance. The agency also offers maintenance plans that involve regular policy reviews to ensure coverage matches evolving business risks. This includes guidance on workplace safety protocols to help reduce claim frequency. They service a variety of property types, including single-family homes, apartments, retail stores, and restaurants.
KK Insurance Agency, Inc. serves employers in Lowell, Massachusetts, and the surrounding Merrimack Valley communities. It handles workers’ compensation insurance, which provides medical care and wage replacement for employees injured on the job. Many local businesses, from construction firms to small manufacturers, require this coverage to remain compliant with state regulations. The agency generally works with clients to assess their payroll and risk factors, then matches them with a carrier that offers appropriate policy limits and competitive rates for their specific industry.
Alpha Insurance distinguishes between one-time policy consultations and ongoing account management services for local businesses in Lowell, Massachusetts. Coverage options include statutory workers' compensation policies that meet state requirements and protect small to mid-sized employers from workplace injury claims. The agency helps clients classify their employee roles correctly to ensure proper premium calculations. Service arrangements run on either a scheduled basis for periodic policy reviews or an as-needed basis for filing claims or addressing audit questions.
As local businesses in Lowell, MA, face rising operational costs and seasonal hiring demands, maintaining proper workers' compensation coverage becomes a critical priority. Fred C. Church, Inc., a workers' compensation insurance agent, helps these employers identify policies that meet regulatory requirements while addressing unique workplace risks. Their guidance assists businesses in securing appropriate protection against common claims related to employee injury. An initial assessment typically involves reviewing current payroll figures, job classifications, and safety protocols to recommend suitable coverage options and to begin the process of risk evaluation.
Angela Westen Insurance, located in Lowell, MA, specializes in helping local businesses secure workers’ compensation coverage that meets state regulatory requirements. It also advises employers on managing claims and controlling premiums to maintain stable insurance costs over time. The company works closely with clients to understand their specific industry risks and policy needs. As seasonal changes or new equipment usage increases accident risks, it helps employers review and update their coverage to ensure adequate protection.
I-insurance Group Inc provides workers' compensation insurance solutions for businesses in the Lowell area. The company specializes in helping employers manage coverage for work-related injuries and illnesses. It assists clients with understanding state-specific requirements and navigating claims processes to support injured workers. I-insurance Group Inc serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
In Lowell, Global Help Center Inc. provides workers' compensation insurance for residential clients, covering household employees and domestic staff. Commercial coverage extends to small businesses within the surrounding area, addressing employer liability policies. Each plan is tailored to local regulatory requirements for workplace injury claims. Follow-up consultations between regular policy periods are offered to adjust coverage after staffing or operational changes.
What Does a a Workers' Compensation Insurance Agent in Lowell Cost?
Workers compensation insurance costs in Massachusetts vary by industry and payroll size. Rates are set by the Workers Compensation Rating and Inspection Bureau of Massachusetts. For a small business with low risk office work, annual premiums may start around $500 to $1,000. For higher risk industries like construction, costs can be several thousand dollars per year. This is general information and not insurance advice.
About workers' compensation insurance agents in Lowell
Workers compensation insurance agents in Lowell help employers meet Massachusetts state requirements. Massachusetts law requires nearly all employers to carry workers comp coverage for their employees. A local agent can guide you through the process of obtaining a policy that fits your business size and industry.
Frequently Asked Questions
What does a workers compensation insurance agent in Lowell do?
An agent helps you find a workers comp policy that meets Massachusetts legal requirements. They explain coverage options and assist with filing claims if needed. Agents also help you understand how your premium is calculated based on payroll and industry classification.
Is workers compensation insurance mandatory in Massachusetts?
Yes, Massachusetts General Law Chapter 152 requires all employers with any employees to carry workers compensation insurance. Sole proprietors and certain family members may be exempt. Failure to carry coverage can result in fines and stop work orders.
How long do I have to report a workplace injury in Massachusetts?
Employees must report an injury to their employer within four weeks of the incident. Employers then have seven days to report the injury to their insurance carrier. The insurer has 14 days to accept or deny the claim after receiving notice.