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Workers' Compensation Insurance & Employer Registration: Boston restaurant guide

MA Department of Industrial Accidents / MA DOR

What it is

Every Massachusetts employer must carry workers' compensation, no matter how few employees or hours. Boston's Food Service Permit application includes a Workers' Compensation Insurance Affidavit.

When a restaurant needs it

Before your first employee starts, and before filing for the Food Service Permit.

How to apply

Buy a policy through a licensed insurer; register for withholding in MassTaxConnect.

Documents you’ll need

Fee
No government fee; insurance premiums vary
Processing time
Days
Renewal
Annual policy renewal
Who files
The employer buys the coverage and signs the affidavit.

Good to know

Operating without coverage can bring a Stop Work Order that closes the business, plus at least $100 a day in fines.

Official source

MA DIA — workers' comp requirements

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Last reviewed 2026-10-06. Guidance only, not legal advice.