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

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

Upon first glance, it may seem like having a workers’ compensation insurance plan in place is merely a way for the state of Massachusetts to protect employees who are affected by an on-the-job injury or work-related illness. However, we know from our years of experience as both insurance experts and local business owners, this coverage is intended to protect you, the employer, as well.

When choosing a local insurance agency to work with, you can be certain that you’ll be receiving workers’ compensation insurance in Carver MA that will meet all Massachusetts requirements, offer the best protections for both you and your entire staff, and will save you money.

Our coverage is made up of the following:

  • Workers’ Compensation Insurance in Carver MA
  • Workers’ Comp Coverage for Carver MA Companies
  • Coverage for Medical Costs
  • Permanent Disability Protection
  • Partial Wage Coverage
  • Death Benefit to Beneficiary
  • And Much More

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

Workers’ Compensation Insurance in Carver MA

All companies based in Massachusetts are required to carry workers’ compensation coverage for their employees.

This requirement is applicable:

  • Regardless of how many hours your employees work
  • For domestic service employees who work at least 16 hours a week
  • To cover you, the business owner, if you are considered an employee of the business (exceptions may exist for Sole Proprietors, Limited Liability Corporations and Executive Officers)
  • To your family member(s) 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 – for example a sole proprietor or certain corporate officers – you may still want to acquire workers’ compensation insurance in Carver MA for yourself. Our team at Morse can explain in detail some of the typical 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 ambulance rides to bandages

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

For the rest of us business owners in Carver MA, 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 running a 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 accrue each day 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 perspective instead. Workers’ Comp insurance can actually be beneficial because it 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. Rather than picking up the tab yourself, a workers’ compensation plan from Morse Insurance be able to cover the following:

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

…and also safeguard you and your company from litigation related to the accident.

Countless workplace injuries and illnesses occur year after year, so as a business owner, it is important that your workers’ comp program meets all State requirements. Morse is here to make sure you and your entire staff get the best protection – we’re the industry professionals for workers’ compensation throughout Southeastern Massachusetts.

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

Get the Most Out of Your Workers’ Comp Coverage

We understand that workers’ compensation insurance may be pricey. 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? Of course you would!

We have considerable experience with 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 educate employees, establish standards for safety, and ensure that proper training is always provided
  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 Speedy 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 immediately when an illness or accident occurs to avoid fines related to not filing paperwork in a timely manner

When you show 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 ensure that your business is a safe place to work for all.

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

Here’s Why Businesses Trust Morse Of Course

When you 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 knowledgeable and friendly team is local to the Carver MA area, so you know you will receive superb 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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