Massachusetts
What the Massachusetts authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Which Massachusetts employers must carry workers’ compensation insurance?
The Massachusetts Department of Industrial Accidents states that all employers operating in Massachusetts are required to carry workers’ compensation insurance for their employees and themselves if they are an employee of their company. The Department publishes that this holds regardless of hours worked or number of employees.
“All employers operating in Massachusetts are required to carry workers’ compensation insurance for their employees”
What auto coverages are compulsory in Massachusetts?
The Massachusetts Division of Insurance states that a policy must carry four coverages called Compulsory, or Mandatory, Coverages in at least the minimum amounts required by law, with higher amounts available. Massachusetts is unusual in mandating four separate parts rather than a single liability floor. The dollar figures sit in a table this page renders with JavaScript, so they are not reproduced here.
“you must purchase four coverages called Compulsory (or Mandatory) Coverages in, at least, minimum amounts required by law, and in higher amounts if you choose to do so”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.