The Professionals at Morse Excel in Workers’ Compensation Insurance in South Coast MA

Companies in South Coast MA are like those in every other city and town throughout Massachusetts in one way: You are all required to have workers’ compensation plans. Whether you’ve just launched your company or have owned your business for a number of years, understanding the complexities of this imperative coverage is extremely important.

Upon first glance, it may seem like having a workers’ compensation policy in place is merely a way for the local government to protect employees who experience an injury in the workplace. However, from our many years of experience we know that as both insurance experts 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 South Coast MA that will meet all state requirements, provide the best safeguards for both you and your entire staff, and will save you money.

Our coverage includes the following:

  • Workers’ Compensation Insurance in South Coast MA
  • Workers’ Comp Coverage for South Coast MA Businesses
  • Medical Expense Coverage
  • Disibility Coverage
  • Partial Wage Policies
  • Death Benefit to Beneficiary
  • And Much More

An image depicting a potential candidate for workers' compensation insurance in South Coast MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in South Coast MA

All companies that operate in the state of Massachusetts are obligated to carry workers’ compensation coverage for their employees.

This requirement is applicable:

  • For all employees; full-time and part-time
  • For domestic service employees who work 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 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 are one of the exceptions – say a sole proprietor or certain corporate officers – you may still want to acquire workers’ compensation insurance in South Coast MA for yourself. Our team at Morse can explain in detail some of the typical reasons behind why you may want to consider this option, including:

  • Working in construction or other high-risk jobs
  • 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 aspect of your medical care, from bandages to doctors visits

A photo of likely candidates for workers' comp coverage in South Coast MA, four construction workers hold up a beam

For South Coast 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 goes against the mandate.

If an employer does not have a workers’ compensation policy in place but continues to operate, they will receive 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 business will be forbidden 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 perspective instead. Workers’ Comp insurance can actually be beneficial because it is designed to protect you and your business 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 be able to cover the following:

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

…and also protect you and your business from litigation that results from the incident.

Millions of workplace injuries and illnesses occur year after year, so as a business owner, it is extremely important that your workers’ comp program meets all Massachusetts requirements. The Morse team excels at finding the right workers’ compensation coverage to protect businesses and their employees throughout Massachusetts.

Find out more about workers’ compensation insurance in South Coast MA and inquire with us today to receive a personalized quote for your business.

Here’s How to Strengthen Your Workers’ Comp Coverage

We recognize that workers’ compensation plans can be pricey. So, if we tell you that by choosing to work with Morse Insurance you could potentially save you a significant amount of money on your plan, wouldn’t you want to find out 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. 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 the best way to minimize the risk of injury or 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 management and workers who will provide a strategy for identifying and correcting safety concerns in the workplace or at the job site
  3. Providing Quick and Efficient 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 that need to be filed and notifying Morse immediately when an accident or illness occurs to avoid fines related to not filing paperwork in a timely manner

When you exhibit dedication to employee safety and a healthy work environment, it shows your employees 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 help ensure that your business is a safe place to work.

Learn more about workers’ comp coverage in South Coast 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 work with Morse for your insurance needs, you are working with a team that specializes in solving issues, addressing questions, and identifying the best 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 South Coast MA area, so you know you will receive outstanding 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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