MA H1108

Delivery network companies must contribute 4% of eligible drivers' quarterly earnings into portable benefit accounts that drivers can use for income replacement during illness, emergencies, or earnings loss, health insurance premiums, or retirement savings

Drivers earning at least $1,000 per quarter qualify as "eligible drivers" and remain eligible for three subsequent quarters regardless of earnings

Delivery network companies must purchase occupational accident insurance within 240 days, providing minimum $1,000,000 aggregate coverage including up to $250,000 for medical expenses and 60% wage replacement for up to 156 weeks

Required automobile liability insurance during delivery periods includes $50,000/$100,000/$25,000 bodily injury/property damage coverage, with company insurance serving as backstop if driver coverage lapses

App-based delivery drivers are classified as independent contractors (not employees) if companies don't mandate specific work hours, don't terminate for declining requests, and don't restrict work for other platforms or occupations