Workplace injuries and illnesses pose significant challenges for businesses across industries such as healthcare, construction, manufacturing, and retail. Each year, thousands of workers are affected by incidents or accidents leading to lost workdays, medical expenses, and reduced productivity. To protect employees and employers alike, states require workplace safety through a combination of federal OSHA standards and state-specific regulations. Safety & Loss Prevention Arrow Mutual Liability Insurance Company provides Safety & Loss Prevention services to our policyholders. This helps develop strategies to prevent workplace injuries and illness. Our Safety Department staff are Certified Safety Professionals (CSP. This can help provide services for businesses to remain vigilant and compliant with evolving safety regulations: Most states require that businesses have and implement written

Workers’ compensation is a form of insurance mandated in almost every U.S. state, designed to protect both employees and employers when work-related injuries or illnesses occur. For employees, it delivers essential benefits like coverage for medical treatment, wage replacement, rehabilitation, death benefits, and more.For employers in exchange for providing this insurance, they gain protection from most civil lawsuits related to workplace injuries.  Massachusetts maintains one of the more structured and regulated workers’ compensation systems in the U.S., with benefits that protect both employers and employees. Employers who stay compliant benefit from legally mandated protections, financial predictability, and tools for ongoing cost management. At Arrow Mutual, our mission is to be the sustainable lowest cost provider of quality workers’ compensation insurance