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Bill

H 4061

SNAP

2025-2026 Regular Session Introduced by Bobby Cox and 7 co-sponsors

Creates a public database of issued workers’ comp insurance certificates with insurer, broker, expiration, and payroll data to curb premium fraud.

Member(s) request name added as sponsor: Willis, B.J.Cox
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WeVote Research Nonpartisan
Bill Summary · H 4061

Summary — H.4061 (House Docket No. 2419)

Short title (as filed): An Act relative to protecting against workers compensation premium fraud

Note: The bill text filed in the House (Rep. David H. A. LeBoeuf) creates an insurance-data requirement to prevent workers’ compensation premium fraud. (The packet you provided also contains unrelated South Carolina SNAP draft language; this summary covers the Massachusetts H.4061 content.)

Purpose / Intent

To reduce workers’ compensation and insurance premium fraud by creating a publicly accessible central repository of issued certificates of insurance and by strengthening reporting and investigative duties for insurers. The repository is intended to make verification easier for contractors, regulators and the public and to support audits and fraud investigations.

Key provisions

  • Adds a new Section 7 to Chapter 175L of the Massachusetts General Laws establishing a publicly accessible database maintained by the Commissioner of Insurance that displays, at minimum:

    • The name of the person certified to be insured;
    • The name of the insurer; and
    • The policy expiration date.

  • Reporting and submission requirements:

    • Insurers must submit every certificate of insurance they issue to the Commissioner for inclusion in the database.
    • Insurers must report the name of the insurance broker or agent (if any) that sold the policy; the Commissioner shall keep records of certificates issued by each broker/agent.

  • Certificate content requirements:

    • Each certificate must include a QR (quick response) code linking to the Commissioner’s database.
    • Each certificate must state the number of employees employed by the insured and the estimated payroll per employee classification.

  • Fraud reporting and investigation:

    • Insurers must report to the Commissioner any person they reasonably suspect has (i) committed insurance premium fraud; (ii) committed workers’ compensation fraud; (iii) attempted to avoid an audit or investigation; or (iv) otherwise violated the chapter.
    • The Commissioner shall examine and investigate such reports pursuant to existing authority (referenced Section 6).

  • Rulemaking:

    • The Commissioner shall promulgate regulations under chapter 30A to implement the section.

Who is affected

  • Insurers issuing certificates of insurance (new submission and reporting duties).
  • Insurance brokers/agents (records linking certificates to sellers).
  • Employers/insured entities (certificates must disclose employee counts and payroll estimates).
  • Contractors, vendors and the public (gain public verification access via the database/QR code).
  • The Office of the Commissioner of Insurance (new operational responsibility and oversight workload).

Potential impacts and considerations

  • Improved ability for regulators and businesses to verify active coverage and detect misclassification or premium-evasion schemes.
  • Administrative and IT costs for the Commissioner’s office to build/maintain the public database and for insurers/brokers to submit certificates and payroll detail.
  • Privacy and accuracy concerns regarding public display of payroll/employee estimates; enforcement and data-quality rules would be determined via implementing regulations.
  • Likely to increase referrals and investigations relating to suspected premium fraud.

Legislative / procedural status (from provided actions)

  • Introduced and filed: 1/16/2025 (House Docket No. 2419 / H.4061).
  • Referred to Committee on Ways and Means: 2/19/2025.
  • Referred to Committee on Financial Services: 5/01/2025.
  • Senate concurred: 5/05/2025.
  • Sponsor additions/removals recorded Feb–Oct 2025.
  • Hearing scheduled: 11/04/2025, 10:30 AM–1:30 PM, room A-2.
  • Related bill: HD 2419 (replaces).

If you want, I can:
- Produce a short one-paragraph explainer for nontechnical audiences,
- Draft a list of likely regulatory implementation issues the Commissioner will need to address, or
- Extract the obligations and deadlines insurers must meet if the bill becomes law.

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

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