Understanding Massachusetts Workers' Compensation Insurance Affidavits

Key Requirements for a Massachusetts Workers' Compensation Affidavit

In Massachusetts, a workers' compensation insurance affidavit must verify that an employer carries the state‑mandated coverage, list the policy number, effective dates, and the insurer's name, and include a signed declaration confirming the information is accurate. The affidavit is filed with the Department of Industrial Accidents (DIA) when a new policy is obtained or when renewing coverage, and it must be updated within 30 days of any change.

When and Who Must File the Affidavit

All private‑sector employers with one or more employees are required to maintain workers' compensation insurance and submit the affidavit. Public employers, such as state agencies, may use self‑insurance but still need to file a similar verification form. Contractors working on public projects must also provide the affidavit to demonstrate compliance before receiving a bid award.

Step‑by‑Step Completion Guide

1. Gather policy details: policy number, insurer name, coverage limits, and effective/expiration dates.2. Access the DIA form: download the latest "Workers' Compensation Insurance Affidavit" from the DIA website.3. Complete the sections: fill in employer identification, address, and the insurance information collected.4. Sign and date: the affidavit must be signed by an authorized officer or the policyholder.5. Submit: file electronically through the DIA portal or mail the paper form to the address listed on the form.

Common Pitfalls to Avoid

Missing or inaccurate policy numbers trigger automatic rejections. Employers often overlook the 30‑day update rule after policy changes, leading to penalties. Ensure the signer has the legal authority to bind the company; otherwise the affidavit may be deemed invalid.

Consequences of Non‑Compliance

Failure to file a correct affidavit can result in a "non‑compliant" status, which prevents the employer from obtaining a Certificate of Coverage. The DIA may impose daily fines and, in severe cases, suspend the employer's ability to operate until proof of coverage is provided.

Comparison of Filing Options