Trust the Experts at Morse Insurance to Find You the Best Workers’ Compensation Insurance in Southeastern MA
Business owners in Southeastern MA have at least one thing in common with every other company in Massachusetts: You are all obligated to have workers’ compensation coverage. Whether you’ve just started your business or have owned your business for a number of years, understanding the complexities of this mandatory coverage is very important.
Upon first glance, it may seem like workers’ compensation policies are just a way for the state of Massachusetts to protect workers who are affected by an injury in the workplace. However, from our perspective as both insurance experts and local business owners, this coverage is meant to protect you, the employer, as well.
By choosing to place your policy with Morse, of course, you can be certain that you’ll be receiving workers’ compensation insurance in Southeastern MA that will fulfill all MA requirements, offer the best safeguards for both you and your staff, and will save you money.
Our coverage is made up of the following:
Workers’ Compensation Insurance in Southeastern MA
All companies that operate in the state of Massachusetts are obligated 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 work at least 16 hours a week
- To cover the company owner if they 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
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 happen to be an exception – say a sole proprietor or LLC owner – you may still want to acquire workers’ compensation insurance in Southeastern MA for yourself. Our team at Morse can explain in detail some of the key reasons behind why you may consider this including:
For Southeastern 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.
In fact, any employer who is found to be running a business without workers’ compensation insurance will receive a Stop Work Order from the DIA Office of Investigations and can be assessed fines immediately. Fines will accrue 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, prefers taking a half glass full mindset 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
…as well as protecting you from any civil lawsuits.
Countless workplace injuries and illnesses occur year after year, so as a business owner, it is crucial that your workers’ comp program meets all State requirements. Morse is here to make sure you and your entire staff get the best protection – we’re the industry professionals for workers’ compensation throughout Southeastern Massachusetts.
Learn more about workers’ compensation insurance in Southeastern MA and contact us to receive a customized quote for your business.
Get the Most Out of Your Workers’ Comp Coverage
We recognize that workers’ compensation plans might be expensive. What if we told you that by working with the team at Morse Insurance you might be able to save a significant amount of money? Wouldn’t you want to find out 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. As part of our Risk Management strategy for every client relationship, we will provide advice and support on:
- Ways to Improve Workplace Safety because we truly believe that the proper way to minmize the risk of injury or illness is to use a safety education program to prevent them from happening in the first place
- Establishing a Safety Committee of both management and workers who will provide a strategy for identifying and improving safety concerns in the workplace or at the job site
- Providing Quick and Efficient Medical Attention when an employee is injured or ill which can reduce the cost of long-term disability and insurance premiums
- 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 dedication 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 ensure that your business is a safe place to work for all.
Learn more about workers’ comp coverage in Southeastern MA and request a free quote from our business coverage experts today.
Local Businesses Trust 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 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 friendly, knowledgeable team is local to the Southeastern MA area, so you know you will receive superb customer support, just like you deserve. If you want to partner with an insurance team that will go above and beyond, then choose Morse, Of Course.