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

Business owners in Middleboro MA are like those in every other city and town throughout Massachusetts in one way: You are all obligated to have workers’ compensation policies. Whether you’ve just launched your business or have been a business owner for decades, understanding the ins-and-outs of this necessary coverage is important.

It may initially seem like having a workers’ compensation insurance plan in place is merely a way for the state to protect workers who experience an on-the-job injury or work-related illness. However, from our many years of experience we know that as both insurance professionals 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 Middleboro MA that will satisfy all MA requirements, offer the best safeguards for both you and your workers, and will save you money.

Our coverage is made up of the following:

  • Workers’ Compensation Insurance in Middleboro MA
  • Workers’ Comp Coverage in Middleboro MA
  • Coverage for Medical Expenses
  • Disibility Coverage
  • Partial Wage Coverage
  • Death Benefit to Named beneficiary
  • And More

An image illustrating a potential candidate for workers' compensation insurance in Middleboro MA, a worker using machinery

Workers’ Compensation Insurance in Middleboro MA

All businesses in Massachusetts are obligated to carry workers’ compensation coverage for all employees.

This requirement is applicable:

  • Regardless of how many hours your employees work
  • For employees in domestic service who work at least 16 hours a week
  • To cover the business owner if they 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 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 purchase workers’ compensation insurance in Middleboro MA for yourself. Our team at Morse can explain in detail some of the primary reasons behind why you may want to consider this option, including:

  • If you work in a high-risk job like construction
  • 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 ambulance fees

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

For Middleboro 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 support 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 will accumulate until insurance coverage goes into effect, and the business will be forbidden from resuming operations until all fines have been paid. While this all sounds very ominous, Morse, of course, prefers taking a half glass full point of view instead. This 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 cover:

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

…as well as protecting you from any civil lawsuits.

Countless 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 here to make sure you and your employees get the best protection – we’re the experts for workers’ compensation across Southeastern Massachusetts.

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

Get the Most Out of Your Workers’ Comp Coverage

We recognize that workers’ compensation coverage can be expensive. 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?

We have considerable 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. Ways to Improve Workplace Safety because the best way to reduce injury and illness in the workplace is to set up a comprehensive safety education program
  2. Creating a Safety Committee made up 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 reduce the long-term disability of the employee and keep insurance premiums down
  4. Properly Filling Out Forms that need to be filed and notifying Morse immediately when an accident or illness occurs to avoid penalties related to not filing paperwork in a timely manner

When you demonstrate commitment 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 Middleboro MA and request a free assessment from our team of 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 are working with a team that specializes in resolving issues, addressing questions, and finding the best 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 to partner with an insurance team that will go above and beyond, then choose Morse, Of Course.

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