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

Business owners in Buzzards Bay MA have at least one thing in common with every other business in Massachusetts: You are all obligated to have workers’ compensation insurance. Whether you are just starting a company.

Your first thought may be that it seems like having a workers’ compensation policy in place is just a way for the state of Massachusetts to protect workers who are affected by a work-related injury or illness. However, from our perspective as both insurance professionals and local business owners, this coverage is meant to protect you, the employer, as well.

When you choose to work with Morse, you can be confident that you’ll be receiving workers’ compensation insurance in Buzzards Bay MA that will fulfill all MA requirements, offer the best safeguards for both you and your employees, and will save you money.

Our coverage consists of the following:

  • Workers’ Compensation Insurance in Buzzards Bay MA
  • Workers’ Comp Coverage in Buzzards Bay MA
  • Medical Expense Policies
  • Permanent Disability Protection
  • Partial Wage Coverage
  • Death Benefit to Beneficiaries
  • And More

A photo depicting a potential candidate for workers' compensation insurance in Buzzards Bay MA, a craftsman using machinery in the workplace

Workers’ Compensation Insurance in Buzzards Bay MA

All businesses operating in the state of Massachusetts, like yours are required to carry workers’ compensation coverage for all employees.

This requirement is applicable…

  • Regardless of if your employees are full or part-time
  • For employees in domestic service who clock at least 16 hours per week
  • To cover the business 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

It is extremely unlikely you are exempt from these requirements – most companies fall into the non-exempt category of businesses. However, even if you are one of the exceptions – for example a sole proprietor or certain corporate officers – you may still want to acquire workers’ compensation insurance in Buzzards Bay MA for yourself. Our team at Morse would be happy to walk you through some of the key factors behind why you may consider this including:

  • If you work in a high-risk job like construction
  • 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 any stress or anxiety over who will pay for each component of your medical care, from bandages to doctors visits

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

For the rest of us business owners in Buzzards Bay 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 goes against the mandate.

If an employer does not have a workers’ compensation policy in place but continues to operate, they 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 takes effect, 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, likes to take a half glass full point of view instead. This important type of coverage can actually be beneficial because it is designed to protect you and your business 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. Rather than picking up the tab yourself, a workers’ compensation policy 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 in, year out, so as a business owner, it is extremely important that your workers’ comp program meets all Massachusetts requirements. Our team at Morse is ready to make sure you and your entire staff get the best protection – we’re the industry professionals for workers’ compensation across Southeastern Massachusetts.

Find out more about workers’ compensation insurance in Buzzards Bay MA and contact us today to receive a personalized quote for your business needs.

Here’s How to Strengthen Your Workers’ Comp Coverage

We recognize that workers’ compensation plans may be costly. 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 numerous 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. Ways to Improve Workplace Safety because we truly believe that the proper way to minmize the risk of 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 fix safety concerns in the workplace or at the job site
  3. Providing Quick and Effective Medical Attention when an employee is injured or ill which can reduce the cost of long-term disability and insurance premiums
  4. Properly Filling Out Forms that need to be filed and notifying Morse right away of all injuries and illnesses to avoid penalties related to not filing paperwork in a timely manner

When you show commitment to the safety of your employees and a healthy work environment, 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 make sure that your company is a safe place to work for all.

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

Here’s Why Businesses Trust 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 objective is to not only make the insurance process go smoothly for you but also to provide you with the information that you will need to feel confident that you know how to handle any situation that may arise in the workplace. Our knowledgeable and friendly team is local to the Buzzards Bay MA area, so you know you will receive superb customer support, just like 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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