Work With Our Talented Insurance Team at Morse to Put Together Your Workers’ Compensation Insurance Coverage in Norton MA
Business owners in Norton MA are like those in every other city and town throughout Massachusetts in one way: You are all required to have workers’ compensation insurance. Whether you are just starting a business or have been a business owner for decades, understanding the ins-and-outs of this mandatory coverage is extremely important.
It may initially seem like having a workers’ compensation policy in place is simply a way for the state to protect workers who suffer an on-the-job injury or work-related illness. However, from our perspective as both insurance professionals and local business owners, this coverage is designed to protect you, the employer, as well.
By choosing to place your policy with Morse, of course, you can be confident that you’ll be receiving workers’ compensation Insurance in Norton MA that will meet all Massachusetts requirements, offer the best safeguards for both you and your employees, and will save you money.
Our coverage is made up of the following:
Workers’ Compensation Insurance in Norton MA
When you have something very important to say, sometimes it stands repeating. So, here we go again: All Massachusetts businesses, like yours, are required to carry workers’ compensation coverage for employees.
This requirement is applicable…
- No matter how many hours your employees work
- For employees in domestic service 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 your family member(s) even if they are the only employees of your company
There are very few exceptions to these requirements, and it is far more likely that you fall into the non-exempt category of businesses. However, even if you are one of the exceptions – say a sole proprietor or certain corporate officers – you may still want to purchase workers’ compensation insurance in Norton MA for yourself. Our team at Morse would be happy to walk you through some of the key reasons you may want to consider this option, including:
For the rest of us business owners in Norton 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 who violates the mandate.
In fact, employers found to be operating 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 accrue 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, likes to take a half glass full perspective instead. Workers’ Comp insurance 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 program from Morse Insurance will kick in and cover:
- Medical Expenses
- Permanent Disability
- Partial Wages
- Death Benefit to Beneficiary
…and also safeguard you and your company from civil lawsuits pertaining to the accident.
Millions of workplace injuries and illnesses occur every year, so as a business owner, you need to be confident that your workers’ comp program meets all Massachusetts requirements. Morse is proud to be the Southeastern Massachusetts workers’ compensation expert and is here to ensure you have the best protection for both you and your employees.
Learn more about workers’ compensation insurance in Norton MA and inquire with us today to receive a personalized quote for your business.
Get the Most Out of Your Workers’ Comp Coverage
We know that workers’ compensation insurance can be expensive. So, if we tell you that by working with Morse Insurance you could potentially save a surprising amount of money on your policy, wouldn’t you want to find out more? Of course you would!
There are many ways to reduce your workers’ comp coverage expenses, 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 provide advice and guidance on:
- Improving Workplace Safety because the best way to reduce injury and illness in the workplace is to establish a comprehensive safety education program
- Creating a Safety Committee of both management and workers who will provide a strategy for identifying and correcting safety concerns in the workplace or at the job site
- Providing Speedy and Efficient Medical Attention when an employee is injured or ill which can reduce the long-term disability of the employee and keep insurance premiums down
- 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 form in a timely manner
When you demonstrate dedication to the safety of your employees and a healthy work environment, it shows your workers 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 Norton MA and request a free consultation from our team of business coverage experts today.
Here’s Why Businesses Trust Morse Of Course
When you partner with Morse for your insurance needs, you are working with a team that specializes in helping businesses like yours with all their workers’ comp coverage questions, issues, and needs. Our mission 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 right here in Norton MA to provide you with 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.