Workers’ Compensation

Merchants Insurance Group offers Workers’ Compensation insurance in Massachusetts, Michigan, New Hampshire, New Jersey, New York, Pennsylvania and Vermont to provide further coverage to a variety of our contractor and business policies.

Workers’ Compensation Coverage


Business owners may mistakenly believe their general liability insurance covers Workers’ Compensation claims, but it only applies to third-party injuries and property damage claims. You need a good program of Workers’ Compensation coverage to protect your employees and your business. Merchants offers Workers’ Compensation coverage to a variety of our contractor and business policies. (Please note that we do not write Workers’ Compensation policies in Ohio.)

What Is Workers’ Compensation Insurance?

Workers’ Compensation Insurance gives your employees benefits if they sustain a work-related injury or illness. Workers’ Compensation coverage can help protect your employees if they are injured in a car accident while driving for work or trip and fall in your workplace, among other situations.

For employees, Workers’ Compensation insurance provides coverage for medical care and can replace lost wages.

For employers, Workers’ Compensation insurance provides peace of mind as you know your employees can receive the care they need if they’re injured. It also provides protection as it helps to cover legal costs, for example, if your injured employee or their family sues your business.

Merchants’ MIGPay® Payment Plan

In addition to Merchants’ standard payment options, we also offer MIGPay®, our pay-as-you-go billing and payment program for Workers’ Compensation policies. MIGPay® helps businesses better manage cash flow and reduce end-of-term audit surprises, as premiums are based on actual reported payroll, not an estimated payroll.

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