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

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

Upon first glance, it may seem like having a workers’ compensation plan in place is just a way for the state to protect employees 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 you choose to work with Morse, you can rest aurred that you’ll be receiving workers’ compensation insurance in Plymouth MA that will fulfill all MA requirements, offer the best safeguards for both you and your entire staff, and will help you save money.

Our coverage consists of the following:

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

An image illustrating a possible candidate for workers' compensation insurance in Plymouth MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Plymouth MA

All companies based in Massachusetts are required to carry workers’ compensation coverage for their 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 Executive Officers, LLCs, and Sole Proprietors)
  • To your family member(s) 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 are one of the exceptions – say a sole proprietor or LLC owner – you may still want to acquire workers’ compensation insurance in Plymouth MA for yourself. Our team at Morse would be happy to walk you through some of the key reasons behind why you may consider this including:

  • Working in construction or other high-risk jobs
  • If you want additional protection against accidents in the workplace or on a job, which your personal health insurance 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 Plymouth MA, four construction workers hold up a beam

For the rest of us business owners in Plymouth 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.

In fact, any employer who is found to be doing business without workers’ compensation coverage 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 will accumulate until insurance coverage becomes effective, and the business will be prohibited 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 company from being required to cover an employee’s medical expenses if they are injured or become ill in the workplace. Instead of being forced to pay the balance by 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 safeguard you and your company from litigation that results from the incident.

A large number of workplace injuries 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 protect businesses and their employees across Southeastern Massachusetts.

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

Here’s How to Strengthen Your Workers’ Comp Coverage

We understand that workers’ compensation plans can be expensive. What if we told you that by working with the team at Morse Insurance you might be able to save a surprising amount of money? Wouldn’t you want to find out more? Of course you would!

There are a number of ways to decrease your workers’ comp coverage costs, and the professionals at Morse are ready to provide our expertise to help you manage these costs. 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 in the workplace is to create a comprehensive safety education program
  2. Establishing a Safety Committee made up of both management and workers who will provide a strategy for identifying and improving 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 reduce the long-term disability of the employee and keep insurance premiums down
  4. Properly Filling Out Forms and notifying Morse right away of all injuries and illnesses to avoid penalties related to not filing paperwork in a timely manner

When you show commitment to the safety of your employees and a healthy work environment, it shows your employees how much you care about them. 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 for all.

Learn more about workers’ comp coverage in Plymouth MA and request a free quote 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 solving issues, addressing questions, and identifying the optimal options for workers’ comp coverage. Our objective is to make sure you know how to handle any situation that may arise in the workplace. Our knowledgeable and friendly team is local to the Plymouth MA area, so you know you will receive superb customer support, just like 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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