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

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

Your first thought may be that it seems like workers’ compensation policies are merely a way for the state of Massachusetts to protect employees who are affected by a work-related injury or illness. However, from our many years of experience we know that as both insurance experts and local business owners, this coverage is meant 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 Mansfield MA that will satisfy all MA requirements, provide the best safeguards for both you and your workers, and will save you money.

Our team specializes in the following offerings:

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

A photo depicting a possible candidate for workers' compensation insurance in Mansfield MA, a craftsman using machinery in the workplace

Workers’ Compensation Insurance in Mansfield MA

All businesses operating in the state of Massachusetts are obligated to have workers’ compensation coverage for employees.

This requirement is applicable:

  • Regardless of if your employees are full or part-time
  • For domestic service employees who work at least 16 hours per week
  • To cover the company owner if they 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 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 happen to be an exception – say a sole proprietor or LLC owner – you may still want to acquire workers’ compensation insurance in Mansfield 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:

  • 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 any stress or anxiety over who will pay for each aspect of your medical care, from ambulance rides to bandages

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

For the rest of us business owners in Mansfield 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 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 fines immediately. Fines will accrue until insurance coverage becomes effective, and the business will be forbidden from resuming operations until all fines have been paid. While this all sounds very ominous, Morse, of course, likes to take 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. 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

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

Countless workplace injuries and illnesses occur year after year, so as a business owner, it is crucial 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.

Find out more about workers’ compensation insurance in Mansfield MA and contact us today to receive a personal quote for your company.

Here’s How to Maximize Your Workers’ Comp Coverage

We know that workers’ compensation coverage might be costly. What if we told you that by choosing to work with our team at Morse you might be able to save a surprising amount of money? Wouldn’t you want to find out more? Of course you would!

We have considerable experience writing 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. Improving Workplace Safety because the best way to reduce injury or illness is to utilize a safety education program to prevent them from happening in the first place
  2. Creating a Safety Committee made up of both employees and management who will provide a strategy for identifying and correcting 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 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 fines related to not filing the correct forms in a timely manner

When you demonstrate dedication to the safety of your employees and a healthy workplace, it shows your staff how much you care about them and their wellbeing. 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 Mansfield MA and request a free consultation from our business coverage experts today.

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

When you choose to 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 not only make the insurance process go smoothly 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 provide 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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