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

Business owners in Foxboro MA have at least one thing in common with every other business in Massachusetts: You are all required to have workers’ compensation plans. Whether you are just starting a business.

Your first thought may be that it seems like having a workers’ compensation plan in place is simply a way for the state to protect workers who are affected by 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 designed to protect you, the employer, as well.

When you choose to work with Morse, you can rest aurred that you’ll be receiving workers’ compensation insurance in Foxboro MA that will satisfy all MA requirements, offer the best protections for both you and your entire staff, and will help you save money.

Our coverage includes the following:

  • Workers’ Compensation Insurance in Foxboro MA
  • Workers’ Comp Coverage for Foxboro MA Companies
  • Coverage for Medical Expenses
  • Permanent Disability Coverage
  • Partial Wage Policies
  • Death Benefit to Beneficiary
  • And Much More

An image depicting a possible candidate for workers' compensation insurance in Foxboro MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Foxboro MA

All businesses in Massachusetts are obligated to have workers’ compensation coverage for their 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 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

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 – say a sole proprietor or certain corporate officers – you may still want to acquire workers’ compensation insurance in Foxboro MA for yourself. Our team at Morse can explain in detail some of the typical reasons behind why you may want to 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 avoid any stress or anxiety over who will pay for each aspect of your medical care, from bandages to doctors visits

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

For Foxboro 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 violates the mandate.

In fact, any employer who is found to be running a business without workers’ compensation insurance will be issued a Stop Work Order from the DIA Office of Investigations and can be assessed fines immediately. Fines accumulate each day until insurance coverage goes into effect, and the fine must be paid in full for your business to restart operations. While this all sounds very ominous, Morse, of course, likes to take a half glass full mindset instead. This important type of coverage can actually be beneficial because it is designed to protect you and your business from having to cover an employee’s medical costs in the case that they become ill or experience a workplace injury. Rather than picking up the tab yourself, a workers’ compensation policy from Morse Insurance be able to cover the following:

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

…as well as protecting you from any civil lawsuits.

Millions 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 across Southeastern Massachusetts.

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

Get the Most Out of Your Workers’ Comp Coverage

We recognize that workers’ compensation coverage may be costly. So, if we tell you that by choosing to work with Morse Insurance you could potentially save a surprising amount of money on your policy, wouldn’t you want to find out more?

There are many 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. 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 the best way to reduce injury and illness is to use a safety education program to prevent them from happening in the first place
  2. Establishing 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 Quick 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 that need to be filed and notifying Morse immediately when an illness or accident occurs to avoid penalties related to not filing paperwork in a timely manner

When you demonstrate dedication to employee safety 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 ensure that your company is a safe place to work for all.

Learn more about workers’ comp coverage in Foxboro MA and request a free quote 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 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 offer you 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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