WeVote
Log In

Bill

Bill

HD 2419

An Act relative to protecting against workers compensation premium fraud

194th Legislature (2025-2026) Introduced by David LeBoeuf

Creates a public database of workers' compensation COIs with broker info, payroll by classification, and QR codes to deter premium fraud and boost enforcement.

0
WeVote Research Nonpartisan
Bill Summary · HD 2419

Summary of House Bill HD 2419: An Act relative to protecting against workers compensation premium fraud

Overview

HD 2419 proposes adding a new provision to Chapter 175L of the General Laws to create a publicly accessible database of certificates of insurance (COIs) and to strengthen oversight of workers’ compensation premium practices. The core aim is to deter and detect premium fraud by increasing transparency around who is insured, what policies are in place, and how payroll is allocated across employee classifications.

Key Provisions

  • Public COI database (new Section 7, Chapter 175L).
    The Commissioner of Insurance would maintain a publicly accessible database displaying:

    • (i) the name of the person certified to be insured,
    • (ii) the name of the insurer, and
    • (iii) the expiration date of the policy.

  • COI submission and broker/agent disclosure.
    Insurers must submit each COI to the Commissioner for inclusion in the database and report the name of the insurance broker or agent who sold the policy. The Commissioner would maintain a record of COIs sold by each broker or agent.

  • QR code on COIs.
    Every COI issued would include a quick-response (QR) code directing users to the public COI database.

  • Payroll and employee data on COIs.
    COIs must include the number of employees and the estimated payroll per employee classification.

  • Enforcement and investigations.
    Insurers would be required to report to the Commissioner, who would examine and investigate suspected activities such as:

    • insurance premium fraud,
    • workers’ compensation fraud,
    • attempts to avoid audits or investigations, or
    • other prohibited practices.

  • Regulatory implementation.
    The Commissioner would promulgate regulations under Chapter 30A to implement these provisions.

Affected Parties

  • Insurers issuing workers’ compensation coverage.
  • Insurance brokers and agents who sell COIs.
  • Policyholders/insured individuals or entities whose information appears on COIs.
  • The public via the new database, and state regulators through enhanced enforcement capabilities.

Implementation and Timeline

  • The bill authorizes the Commissioner to establish the database and to require COI data fields and QR codes.
  • Regulations to implement the act would be developed under the standard regulatory process (Chapter 30A).
  • No explicit future effective date is listed in the provided text; enactment would trigger the database and reporting requirements.

Potential Impacts

  • Pros: Enhanced transparency, improved ability to detect and deter premium fraud, stronger enforcement tools for workers’ compensation fraud, potential reduction in improper premium charges.
  • Cons/Considerations: Public access to COI data raises privacy considerations; insurers and brokers would incur administrative and reporting costs; ongoing regulatory development would shape scope and timelines.

Note: The bill is described as a proposed measure in the 2025-2026 General Court. The text provided shows a filed version (House No. 4061) with details of the COI database and related requirements.

Compiled from official sources — confirm details with the bill’s official record.

Sign in to ask a question.