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

Business owners in Lakeville MA are like those in every other city and town throughout Massachusetts in one way: 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 local government to protect employees who experience an on-the-job injury or work-related illness. However, from our many years of experience we know that as both insurance experts and local business owners, this coverage is intended to protect you, the employer, as well.

When choosing to work with our company, you can be confident that you’ll be receiving workers’ compensation insurance in Lakeville MA that will satisfy all MA requirements, offer the best protections for both you and your entire staff, and will save you money.

Our team specializes in the following offerings:

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

An image depicting a potential candidate for workers' compensation insurance in Lakeville MA, a craftsman using machinery in the workplace

Workers’ Compensation Insurance in Lakeville MA

All businesses operating in the state of Massachusetts are obligated to carry workers’ compensation coverage for 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 members of your family even if they are the only employees of your company

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 purchase workers’ compensation insurance in Lakeville MA for yourself. Our team at Morse would be happy to walk you through some of the typical factors behind why you may want to 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 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 Lakeville MA, four construction workers hold up a beam

For Lakeville 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, employers 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 minimum fines of $100 per day starting immediately. Fines accumulate 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 type of coverage can actually be beneficial because it is designed to protect you and your business from being required to cover an employee’s medical expenses if they are injured or become ill in the workplace. Instead of having to pay the amount owed by yourself, a workers’ compensation policy from Morse Insurance will kick in and cover:

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

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

A large number of workplace accidents and illnesses occur year after year, so as a business owner, it is important that your workers’ comp program meets all Massachusetts requirements. Morse is ready to make sure you and your entire staff have the best protection – we’re the experts for workers’ compensation across Southeastern Massachusetts.

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

Get the Most Out of Your Workers’ Comp Coverage

We understand that workers’ compensation coverage can be expensive. 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 find out more?

We have considerable experience writing 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 the best way to minimize the risk of injury or illness is to use a safety education program to prevent them from happening in the first place
  2. Establishing a Safety Committee of both management and workers 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 right away of all injuries and illnesses to avoid penalties related to not filing paperwork in a timely manner

When you demonstrate commitment to the safety of your employees and a healthy workplace, it shows your employees 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 help ensure that your business is a safe place to work.

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

Who Can You Trust With Your Insurance Needs? Morse, of Course!

When you partner with Morse for your insurance needs, you will be working with a local team that specializes in solving issues, addressing questions, and identifying the optimal options for workers’ comp coverage. Our mission 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 here to offer you the exceptional customer service experience you deserve. If you want an insurance team that will work tirelessly on your behalf, then choose Morse, Of Course.

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