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

Companies in Brockton MA are like those in every other city and town throughout Massachusetts in one way: You are all obligated to have workers’ compensation insurance. Whether you are just starting a business.

Your first thought may be that it seems like workers’ compensation policies are merely a way for the state to protect employees who experience a work-related injury or illness. However, we know from our years of experience as both insurance experts and local business owners, this coverage is meant to protect you, the employer, as well.

When choosing to work with our company, you can be certain that you’ll be receiving workers’ compensation insurance in Brockton MA that will meet all state requirements, provide the best protections for both you and your employees, and will save you money.

Our team specializes in the following offerings:

  • Workers’ Compensation Insurance in Brockton MA
  • Workers’ Comp Coverage in Brockton MA
  • Medical Expense Coverage
  • Disibility Coverage
  • Partial Wage Coverage
  • Death Benefit to Beneficiaries
  • And Much More

A picture depicting a potential candidate for workers' compensation insurance in Brockton MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Brockton MA

All companies that operate in the state of Massachusetts are required to have workers’ compensation coverage for employees.

This requirement is applicable:

  • For all employees; full-time and part-time
  • For domestic service employees who work at least 16 hours per week
  • To cover the company owner if they are considered an employee of the business (exceptions may exist for Sole Proprietors, Limited Liability Corporations and Executive Officers)
  • To members of your family even if they are the only employees of the business

It is extremely unlikely you are exempt from these requirements – most companies fall into the non-exempt category of businesses. However, even if you happen to be an exception – say a sole proprietor or LLC owner – you should still consider purchasing workers’ compensation insurance in Brockton MA for yourself. Our team at Morse can explain in detail some of the key 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 avoid any stress or anxiety over who will pay for each component of your medical care, from bandages to ambulance fees

A photo showing candidates for workers' comp coverage in Brockton MA, four construction workers hold up a beam

For the rest of us business owners in Brockton MA, we have a legal obligation to our employees to have a workers’ compensation policy in place, and the law will not bend for a company that violates the mandate.

In fact, employers 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 immediate fines. Fines accrue each day until insurance coverage becomes effective, and the business will not be allowed to resume operations until all fines have been paid. While this all sounds very ominous, Morse, of course, prefers taking a half glass full point of view instead. This 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 being forced to pay the balance by yourself, a workers’ compensation policy from Morse Insurance cover:

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

…and also protect you and your business from litigation that results from the accident.

Countless workplace accidents and illnesses occur year in, year out, so as a business owner, it is crucial that your workers’ comp program meets all Massachusetts requirements. Morse is pleased to be the Southeastern Massachusetts workers’ compensation expert and is here to ensure you have the best protection for both you and your employees.

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

Get the Most Out of Your Workers’ Comp Coverage

We understand that workers’ compensation coverage can be expensive. What if we told you that by choosing to work with our team at Morse you might be able to save a significant amount of money? Wouldn’t you want to learn more?

There are lots of ways to reduce your workers’ comp coverage costs, and the professionals at Morse are ready to provide our expertise to help you manage these costs. As part of our Risk Management strategy for every client relationship, we will offer you advice and guidance on:

  1. Improving Workplace Safety because the best way to minimize the risk of injury and illness is to utilize a safety education program to prevent them from happening in the first place
  2. Creating a Safety Committee made up of both employees and management 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 cost of long-term disability and insurance premiums
  4. Properly Filling Out Forms and notifying Morse right away of all injuries and illnesses to avoid penalties related to not filing the correct forms in a timely manner

When you demonstrate dedication to the safety of your employees and a healthy work environment, it shows your employees how much you care about them. We strongly believe that this will in turn lead them to make the extra effort to make sure that your business is a safe place to work for all.

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

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

When you work with Morse for your insurance needs, you will be working with a local 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 knowledgeable and friendly team is here to supply 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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