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

Businesses in Marion MA have at least one thing in common with every other business in Massachusetts: You are all obligated to have workers’ compensation insurance. Whether you are just starting a company.

It may initially seem like workers’ compensation policies are simply a way for the local government to protect workers who are affected by 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 a local insurance agency to work with, you can be certain that you’ll be receiving workers’ compensation insurance in Marion MA that will satisfy all MA requirements, offer the best safeguards for both you and your employees, and will save you money.

Our team specializes in the following offerings:

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

A photo illustrating a potential candidate for workers' compensation insurance in Marion MA, a craftsman using machinery in the workplace

Workers’ Compensation Insurance in Marion MA

All businesses operating in the state of Massachusetts, like yours are required to carry workers’ compensation coverage for employees.

This requirement is applicable:

  • Regardless of the number of hours worked by the employee
  • 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 for LLCs, Sole Proprietors, and Executive Officers)
  • To your family member(s) 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 – for example a sole proprietor or LLC owner – you should still consider getting workers’ compensation insurance in Marion MA for yourself. Our team at Morse would be happy to walk you through some of the primary 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 of likely candidates for workers' comp coverage in Marion MA, four construction workers hold up a beam

For the rest of us business owners in Marion 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, employers found to be operating without workers’ compensation insurance will receive a Stop Work Order from the DIA Office of Investigations and can be assessed immediate fines. Fines will accumulate until insurance coverage becomes effective, and the fine must be paid in full for your business to resume operations. While this all sounds very ominous, Morse, of course, likes to take a half glass full perspective instead. This important type of coverage is designed to protect you and your company 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 plan 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.

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

Find out more about workers’ compensation insurance in Marion MA and inquire with us today to receive a personalized quote for your company.

Here’s How to Strengthen Your Workers’ Comp Coverage

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

We have substantial 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. Improving Workplace Safety because we truly believe that the proper way to minmize 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 Speedy and Efficient 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 and notifying Morse immediately when an accident or illness occurs to avoid penalties related to not filing the correct forms in a timely manner

When you demonstrate dedication to employee safety and a healthy workplace, it shows your staff how much you care about them. 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.

Learn more about workers’ comp coverage in Marion 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 work with Morse for your insurance needs, you are working with a team that specializes in solving issues, addressing questions, and identifying the best options for workers’ comp coverage. 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 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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