Trust the Experts at Morse Insurance to Find You the Best Workers’ Compensation Insurance in Attleboro MA

Businesses in Attleboro MA have at least one thing in common with every other company in Massachusetts: You are all obligated to have workers’ compensation plans. Whether you’ve just launched your business or have owned your business for a number of years, understanding the ins-and-outs of this necessary coverage is important.

It may initially seem like having a workers’ compensation insurance plan in place is merely a way for the local government to protect employees who are affected by a workplace injury. However, from our many years of experience we know that as both insurance professionals and local business owners, this coverage is meant to protect you, the employer, as well.

When choosing to work with our company, you can rest aurred that you’ll be receiving workers’ compensation insurance in Attleboro MA that will satisfy all state requirements, offer the best safeguards for both you and your staff, and will help you save money.

Our coverage includes the following:

  • Workers’ Compensation Insurance in Attleboro MA
  • Workers’ Comp Coverage for Attleboro MA Businesses
  • Coverage for Medical Costs
  • Permanent Disability Protection
  • Partial Wage Policies
  • Death Benefit to Named beneficiary
  • And More

A photo showing a possible candidate for workers' compensation insurance in Attleboro MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Attleboro MA

All businesses operating in the state of Massachusetts are obligated to have workers’ compensation coverage for employees.

This requirement is applicable:

  • Regardless of if your employees are full or part-time
  • For domestic service employees who work at least 16 hours per week
  • To cover you, the business owner, if you are considered an employee of the business (exceptions for LLCs, Sole Proprietors, and Executive Officers)
  • To your family member(s) even if they are the only employees

There are very few exceptions to these requirements, and it is far more likely that you fall into the non-exempt category of businesses. However, even if you happen to be an exception – for example a sole proprietor or LLC owner – you may still want to purchase workers’ compensation insurance in Attleboro MA for yourself. Our team at Morse would be happy to walk you through some of the primary factors behind why you may want to consider this option, including:

  • Working in construction or other high-risk jobs
  • If you don’t want to rely on your personal health insurance to cover accidents that happen in your workplace or on a job
  • To eliminate anxiety over who will pay for each aspect of your medical care, from bandages to ambulance fees

A photo of likely candidates for workers' comp coverage in Attleboro MA, four construction workers hold up a beam

For Attleboro MA business owners who are not exempt, we have a legal obligation to our employees to have a workers’ compensation policy in place, and the law will not support a company that violates the mandate.

In fact, any employer who is found to be operating without workers’ compensation insurance will receive a Stop Work Order from the DIA Office of Investigations and can be assessed minimum fines of $100 per day starting immediately. Fines will accumulate until insurance coverage becomes effective, and the fine must be paid in full for your business to restart operations. While this all sounds very ominous, Morse, of course, prefers taking a half glass full mindset instead. This type of coverage is designed to protect you and your business from being required to pay large amounts of money to cover an employee’s medical expenses related to a workplace injury or illness. Instead of being forced to pay the amount owed by yourself, a workers’ compensation policy from Morse Insurance cover:

  • Medical Costs
  • Permanent Disability
  • Partial Wages
  • Death Benefit to Beneficiary

…and also protect you and your business from litigation related to the accident.

Countless workplace accidents and illnesses occur year after year, so as a business owner, you need to be confident that your workers’ comp program meets all local requirements. The Morse team excels at finding the right workers’ compensation coverage to protect businesses and their employees throughout Massachusetts.

Learn more about workers’ compensation insurance in Attleboro MA and inquire with us today to receive a customized quote for your company.

Get the Most Out of Your Workers’ Comp Coverage

We know that workers’ compensation coverage can be pricey. So, if we tell you that by choosing to work with Morse Insurance you could potentially save a surprising amount of money on your policy, wouldn’t you want to learn more?

We have substantial experience writing workers’ comp policies and are ready to help find you some of the many ways to reduce your expenses. We approach every client relationship with Risk Management in mind, providing advice on:

  1. Ways to Improve Workplace Safety because the best way to minimize the risk of injury or illness is to utilize a safety education program to prevent them from happening in the first place
  2. Creating a Safety Committee of both management and workers in order to identify and fix safety concerns in the workplace or at the job site
  3. Providing Speedy and Effective Medical Attention when an employee is injured or ill which can reduce the long-term disability of the employee and keep insurance premiums down
  4. Properly Filling Out Forms and notifying Morse immediately when an illness or accident occurs to avoid fines related to not filing the correct forms in a timely manner

When you exhibit dedication to employee safety and a healthy workplace, it shows your workers how much you care about them and their wellbeing. We strongly believe that this will in turn lead them to make the extra effort to help ensure that your company is a safe place to work.

Learn more about workers’ comp coverage in Attleboro MA and request a free quote from our business coverage experts today.

Who Can You Trust With Your Insurance Needs? Morse, of Course!

When you choose to work with Morse for your insurance needs, you will be working with a local team that specializes in resolving issues, addressing questions, and identifying the optimal options for workers’ comp coverage. Our mission is to make sure you know how to handle any situation that may arise in the workplace. Our friendly, knowledgeable team is here to provide you with the exceptional customer service experience you deserve. If you would like to work with a local team of insurance specialists that will always go above and beyond to meet your needs, choose to work with Morse, Of Course.

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