The Professionals at Morse Excel in Workers’ Compensation Insurance in Raynham MA

Businesses in Raynham 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 local government to protect employees who are affected by a workplace injury. However, from our many years of experience we know that as both insurance experts and local business owners, this coverage is meant 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 Raynham MA that will fulfill all Massachusetts 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 Raynham MA
  • Workers’ Comp Coverage in Raynham MA
  • Medical Expense Policies
  • Permanent Disability Protection
  • Partial Wage Coverage
  • Death Benefit to Named beneficiary
  • And Much More

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

Workers’ Compensation Insurance in Raynham MA

When you have something very important to say, sometimes it bears repeating. So, here we go again: All Massachusetts businesses, like yours, are required to have 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 work 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 members of your family 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 – for example a sole proprietor or LLC owner – you should still consider getting workers’ compensation insurance in Raynham MA for yourself. Our team at Morse would be happy to walk you through some of the key factors behind why you may want to consider this including:

  • If you work in a high-risk job like construction
  • 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 anxiety over who will pay for each facet of your medical care, from bandages to doctors visits

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

For the rest of us business owners in Raynham 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 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 minimum fines of $100 per day starting immediately. Fines will accumulate until insurance coverage takes effect, and the business will be prohibited from resuming operations until all fines have been paid. While this all sounds very ominous, Morse, of course, likes to take a half glass full mindset instead. This important type of coverage 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. Instead of being required to pay the amount owed by yourself, a workers’ compensation plan 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 litigation pertaining to the accident.

A large number of workplace accidents and illnesses occur year after year, so as a business owner, it is important 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 all across Southeastern Massachusetts.

Learn more about workers’ compensation insurance in Raynham MA and contact us today to receive a personalized quote for your business needs.

Here’s How to Optimize Your Workers’ Comp Coverage

We recognize that workers’ compensation plans might be pricey. 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 learn more? Of course you would!

We have considerable experience writing 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 the best way to minimize the risk of injury and illness is to educate employees, establish standards for safety, and ensure that proper training is always provided
  2. Establishing a Safety Committee made up of both employees and management who will provide a strategy for identifying and improving 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 help reduce the cost of long-term disability and insurance premiums
  4. Properly Filling Out Forms and notifying Morse right away of all injuries and illnesses to avoid fines 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 staff 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 Raynham MA and request a free quote from our business coverage experts today.

Who Can You Trust With Your Insurance Needs? Morse, of Course!

When you choose to work with Morse for your insurance needs, you will be working with a local team that specializes in solving issues, addressing questions, and identifying 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 knowledgeable and friendly team is local to the Raynham 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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