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

Businesses in East Bridgewater MA are like those in every other city and town throughout Massachusetts in one way: You are all required to have workers’ compensation coverage. Whether you are just starting a business.

Your first thought may be that it seems like having a workers’ compensation plan in place is just a way for the state of Massachusetts 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 intended to protect you, the employer, as well.

By choosing to place your policy with Morse, of course, you can rest aurred that you’ll be receiving workers’ compensation insurance in East Bridgewater MA that will fulfill all MA requirements, provide the best protections for both you and your staff, and will save you money.

Our team focuses primarily on the following offerings:

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

An image illustrating a possible candidate for workers' compensation insurance in East Bridgewater MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in East Bridgewater MA

All companies based in Massachusetts are obligated to have workers’ compensation coverage for all employees.

This requirement is applicable:

  • Regardless of the number of hours worked by the employee
  • 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 LLCs, Sole Proprietors, 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 happen to be an exception – say a sole proprietor or certain corporate officers – you may still want to acquire workers’ compensation insurance in East Bridgewater 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 protection against accidents in the workplace or on a job, which your personal health insurance may not cover
  • To avoid any stress or anxiety over who will pay for each facet of your medical care, from bandages to doctors visits

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

For East 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 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 immediate fines. Fines accrue each day until insurance coverage goes into 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, prefers taking a half glass full perspective instead. This important type of coverage 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 policy from Morse Insurance be able to cover the following:

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

…and also protect you and your company from litigation that results from the incident.

Countless workplace injuries and illnesses occur year after year, so as a business owner, you need to be confident that your workers’ comp program meets all State requirements. Morse is proud to be the expert on workers’ compensation coverage and is here to ensure you have the best protection for both you and your employees.

Learn more about workers’ compensation insurance in East Bridgewater MA and inquire with us today to receive a personal quote for your company.

Here’s How to Maximize Your Workers’ Comp Coverage

We understand that workers’ compensation insurance can be expensive. So, if we tell you that by working with Morse Insurance you could potentially save a significant amount of money on your plan, wouldn’t you want to find out more?

We have considerable experience with workers’ comp policies and are ready to help find you some of the many ways to reduce your expenses. As part of our Risk Management approach to every client relationship, we will deliver advice and support on:

  1. Ways to Improve Workplace Safety because we truly believe that the proper way to minmize the risk of injury or illness is to educate employees, establish safety standards, and ensure that proper training is always provided
  2. Creating a Safety Committee made up of both employees and management who will provide a strategy for identifying and solving 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 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 show commitment to employee safety and a healthy workplace, it shows your staff how much you care about them. If you show them you care, we believe they are much more likely to make the extra effort to make sure that your company is a safe place to work.

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

Here’s Why Businesses Trust Morse Of Course

When you partner 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 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 want to partner with an insurance team that will go above and beyond, then choose Morse, Of Course.

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