Partner With Our Talented Insurance Team at Morse to Put Together Your Workers’ Compensation Insurance in Canton MA

Businesses in Canton MA are like those in every other city and town throughout Massachusetts in one way: You are all obligated to have workers’ compensation coverage. Whether you’ve just formed your business or have owned a business for years, understanding the ins-and-outs of this mandatory coverage is extremely important.

Upon first glance, it may seem like workers’ compensation policies are merely a way for the local government to protect employees who experience a workplace injury. 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 certain that you’ll be receiving workers’ compensation insurance in Canton MA that will meet all MA requirements, offer the best safeguards for both you and your employees, and will help you save money.

Our coverage is made up of the following:

  • Workers’ Compensation Insurance in Canton MA
  • Workers’ Comp Coverage in Canton MA
  • Medical Expense Coverage
  • Permanent Disability Coverage
  • Partial Wage Policies
  • Death Benefit to Beneficiary
  • And Much More

An image illustrating a possible candidate for workers' compensation insurance in Canton MA, a worker using machinery

Workers’ Compensation Insurance in Canton MA

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

This requirement is applicable:

  • For all employees; full-time and part-time
  • For domestic service employees who clock at least 16 hours per week
  • To cover you, the business owner, if you are considered an employee of the business (exceptions for Executive Officers, LLCs, and Sole Proprietors)
  • 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 certain corporate officers – you should still consider purchasing workers’ compensation insurance in Canton MA for yourself. Our team at Morse can explain in detail some of the typical factors behind why you may consider this including:

  • Working in construction or other high-risk jobs
  • If you want additional coverage that your personal health plan may not cover
  • To eliminate any stress or anxiety over who will pay for each aspect of your medical care, from bandages to doctors visits

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

For Canton 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, employers found to be doing business without workers’ compensation coverage will be issued a Stop Work Order from the DIA Office of Investigations and can be assessed immediate fines. Fines will accrue until insurance coverage goes into effect, and the business will be forbidden from resuming operations until all fines have been paid. While this all sounds very ominous, Morse, of course, prefers taking a half glass full perspective instead. This type of coverage can actually be beneficial because it is designed to protect you and your company from being required to pay large amounts of money to cover an employee’s medical expenses related to a workplace injury or illness. Rather than picking up the tab yourself, a workers’ compensation program from Morse Insurance will kick in and cover:

  • Medical Costs
  • 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 extremely important that your workers’ comp program meets all local requirements. The Morse team excels at finding the right workers’ compensation coverage to take care of businesses and their employees all across Massachusetts.

Learn more about workers’ compensation insurance in Canton MA and contact us to receive a personalized quote for your company.

Here’s How to Optimize Your Workers’ Comp Coverage

We recognize that workers’ compensation insurance might be costly. What if we told you that by working with the team at Morse Insurance you might be able to save a surprising amount of money? Wouldn’t you want to learn more?

There are many different 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. We approach every client relationship with Risk Management in mind, providing advice on:

  1. Ways to Improve Workplace Safety because the best way to reduce injury and illness in the workplace is to set up a comprehensive safety education program
  2. Establishing a Safety Committee of both management and workers who will provide a strategy for identifying and rectifying safety concerns in the workplace or at the job site
  3. Providing Quick and Efficient 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 immediately when an illness or accident occurs to avoid penalties related to not filing paperwork in a timely manner

When you show dedication to the safety of your employees and a healthy work environment, it shows your workers 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 Canton MA and request a free quote from our 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 objective is to not only make the insurance process hands-off 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 friendly, knowledgeable team is local to the Canton MA area, so you know you will receive outstanding customer support, just like you deserve. If you want an insurance team that will work tirelessly on your behalf, then choose Morse, Of Course.

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