The Morse Insurance Team is Ready to Provide Workers’ Compensation Insurance in Bridgewater MA

Companies in Bridgewater MA have at least one thing in common with every other business in Massachusetts: You are all required to have workers’ compensation insurance. Whether you are just starting a business.

Upon first glance, it may seem like workers’ compensation policies are simply a way for the local government to protect workers who experience a workplace injury. However, from our many years of experience we know that as both insurance professionals and local business owners, this coverage is designed to protect you, the employer, as well.

When choosing a local insurance agency to work with, you can rest aurred that you’ll be receiving workers’ compensation insurance in Bridgewater MA that will satisfy all state requirements, provide the best protections for both you and your workers, and will save you money.

Our team focuses primarily on the following offerings:

  • Workers’ Compensation Insurance in Bridgewater MA
  • Workers’ Comp Coverage for Bridgewater MA Businesses
  • Medical Expense Coverage
  • Permanent Disability Coverage
  • Partial Wage Coverage
  • Death Benefit to Beneficiaries
  • And More

A picture illustrating a possible candidate for workers' compensation insurance in Bridgewater MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Bridgewater MA

All companies operating in Massachusetts, like yours, are obligated to have workers’ compensation coverage for their employees.

This requirement is applicable:

  • Regardless of the number of hours worked by the employee
  • 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 of the business

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 are one of the exceptions – for example a sole proprietor or LLC owner – you should still consider purchasing workers’ compensation insurance in Bridgewater MA for yourself. Our team at Morse would be happy to walk you through some of the key reasons behind why you may want to consider this including:

  • If you own or operate a construction company or other high-risk business
  • If you want additional coverage that your personal health plan may not cover
  • To avoid any stress or anxiety over who will pay for each component of your medical care, from bandages to doctors visits

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

For Bridgewater 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 goes against the mandate.

In fact, any employer who is found to be doing business without workers’ compensation coverage 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 accrue until insurance coverage becomes effective, and the fine must be paid in full for your business to resume operations. While this all sounds very ominous, Morse, of course, likes to take a half glass full point of view instead. This important type of coverage is designed to protect you and your company from having to pay out sizable amounts of money for an employee’s medical and other expenses related to an on-the-job injury or illness resulting from the workplace. Instead of needing to pay the balance by yourself, a workers’ compensation program from Morse Insurance will kick in and cover:

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

…as well as protecting you from any civil lawsuits.

A large number of workplace injuries and illnesses occur year after year, so as a business owner, it is important that your workers’ comp program meets all Massachusetts requirements. The Morse team excels at finding the right workers’ compensation coverage to take care of businesses and their employees across Massachusetts.

Learn more about workers’ compensation insurance in Bridgewater MA and contact us today to receive a customized quote for your business needs.

Get the Most Out of Your Workers’ Comp Coverage

We know that workers’ compensation insurance may be costly. So, if we tell you that by partnering with Morse Insurance you could potentially save a surprising amount of money on your policy, wouldn’t you want to find out more? Of course you would!

There are lots of ways to decrease your workers’ comp coverage costs, and the professionals at Morse are ready to provide our expertise to help you manage these costs. We approach every client relationship with Risk Management in mind, providing advice on:

  1. Improving Workplace Safety because the best way to reduce injury or illness in the workplace is to create a thorough safety education program
  2. Establishing a Safety Committee of both management and workers in order to identify and correct 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 help reduce the long-term disability of the employee and keep insurance premiums down
  4. Properly Filling Out Forms and notifying Morse right away of all injuries and illnesses to avoid fines related to not filing the correct forms in a timely manner

When you demonstrate commitment to the safety of your employees 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 business is a safe place to work for all.

Learn more about workers’ comp coverage in Bridgewater MA and request a free assessment from our team of business coverage experts today.

Here’s Why Businesses Trust Morse Of Course

When you choose to work with Morse for your insurance needs, you are working with a team that specializes in helping businesses like yours with all of their workers’ comp coverage questions, issues, and needs. 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 want an insurance team that will work tirelessly on your behalf, then choose Morse, Of Course.

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