The Professionals at Morse Excel in Workers’ Compensation Insurance in South Shore MA
Business owners in South Shore 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’ve just launched your business or have owned a business for years, understanding the details about this mandatory coverage is very important.
Your first thought may be that it seems like workers’ compensation policies are simply a way for the state to protect employees who experience an on-the-job injury or work-related illness. However, we know from our years of experience as both insurance experts 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 South Shore MA that will satisfy all MA requirements, offer the best safeguards for both you and your staff, and will save you money.
Our team focuses primarily on the following offerings:
Workers’ Compensation Insurance in South Shore MA
All businesses operating in the state of Massachusetts are required to carry workers’ compensation coverage for all employees.
This requirement is applicable…
- For all employees; full-time and part-time
- For domestic service employees who clock at least 16 hours per week
- To cover the business 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
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 purchase workers’ compensation insurance in South Shore MA for yourself. Our team at Morse would be happy to walk you through some of the key reasons behind why you may want to consider this including:
For South Shore 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.
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 immediate fines. Fines accumulate each day until insurance coverage takes effect, and the business will not be allowed to resume 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 company from having to cover an employee’s medical costs in the case that they become ill or experience a workplace injury. Instead of needing to pay the balance by yourself, a workers’ compensation policy from Morse Insurance will kick in and cover:
- Medical Expenses
- Permanent Disability
- Partial Wages
- Death Benefit to Beneficiary
…as well as protecting you from any civil lawsuits.
A large number 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 State requirements. Morse is proud to be the Southeastern Massachusetts workers’ compensation expert and is here to help ensure that you have the best protection for both you and your employees.
Learn more about workers’ compensation insurance in South Shore MA and contact us to receive a personal quote for your company.
Here’s How to Optimize Your Workers’ Comp Coverage
We recognize that workers’ compensation insurance might be costly. So, if we tell you that by partnering with Morse Insurance you could potentially save you a significant amount of money on your plan, wouldn’t you want to learn more? Of course you would!
We have substantial 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:
- Ways to Improve Workplace Safety because the best way to minimize the risk of injury and illness is to implement a safety education program to prevent them from happening in the first place
- Creating a Safety Committee made up of both employees and management 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 help reduce the long-term disability of the employee and keep insurance premiums down
- Properly Filling Out Forms and notifying Morse immediately when an illness or accident occurs to avoid fines related to not filing paperwork in a timely manner
When you demonstrate dedication to employee safety and a healthy workplace, it shows your staff 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 ensure that your company is a safe place to work for all.
Learn more about workers’ comp coverage in South Shore MA and request a free consultation from our team of 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 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 knowledgeable and friendly team is local to the South Shore 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.