Trust the Experts at Morse Insurance to Find You the Best Workers’ Compensation Insurance in Mattapoisett MA

Business owners in Mattapoisett 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 company.

Your first thought may be that it seems like workers’ compensation policies are simply a way for the state of Massachusetts to protect workers who are affected by a work-related injury or illness. However, from our perspective as both insurance professionals 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 Mattapoisett MA that will meet all state requirements, provide the best protections for both you and your staff, and will help you save money.

Our team specializes in the following offerings:

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

A photo illustrating a possible candidate for workers' compensation insurance in Mattapoisett MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Mattapoisett MA

All businesses in Massachusetts are obligated to carry workers’ compensation coverage for all 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 the company owner if they 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 the business

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 purchase workers’ compensation insurance in Mattapoisett 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 coverage that your personal health plan may not cover
  • To eliminate anxiety over who will pay for each component of your medical care, from ambulance rides to bandages

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

For the rest of us business owners in Mattapoisett MA, 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 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 becomes effective, and the fine must be paid in full for your business to restart operations. While this all sounds very ominous, Morse, of course, prefers taking a half glass full perspective instead. Workers’ Comp insurance can actually be beneficial because it is designed to protect you and your company from having to pay out sizable amounts of money for an employee’s medical and other expenses related to an on-the-job injury or illness resulting from the workplace. Rather than picking up the tab yourself, a workers’ compensation plan from Morse Insurance cover:

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

…as well as protecting you from any civil lawsuits.

Countless workplace accidents and illnesses occur every 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 throughout Massachusetts.

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

Get the Most Out of Your Workers’ Comp Coverage

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

There are lots of ways to reduce 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 we truly believe that the proper way to minmize the risk of injury and illness is to educate employees, establish safety standards, and ensure that proper training is always provided
  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 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 and notifying Morse immediately when an illness or accident occurs to avoid penalties related to not filing the correct forms in a timely manner

When you demonstrate commitment to employee safety and a healthy workplace, 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.

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

Here’s Why Businesses Trust 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 mission is to make sure 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 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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