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

Companies in Stoughton MA have at least one thing in common with every other business in Massachusetts: You are all required to have workers’ compensation policies. Whether you are just starting a company.

It may initially seem like workers’ compensation policies are merely a way for the local government to protect employees who experience a workplace injury. However, we know from our years of experience 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 confident that you’ll be receiving workers’ compensation insurance in Stoughton MA that will fulfill all Massachusetts requirements, offer the best safeguards for both you and your workers, and will help you save money.

Our team specializes in the following offerings:

  • Workers’ Compensation Insurance in Stoughton MA
  • Workers’ Comp Coverage for Stoughton MA Businesses
  • Medical Expense Coverage
  • Coverage for Permanent Disability
  • Partial Wage Coverage
  • Death Benefit to Beneficiaries
  • And Much More

A picture showing a potential candidate for workers' compensation insurance in Stoughton MA, a worker using machinery in the workplace

Workers’ Compensation Insurance in Stoughton MA

All businesses in Massachusetts are obligated to carry workers’ compensation coverage for employees.

This requirement is applicable:

  • For all employees; full-time and part-time
  • 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 LLCs, Sole Proprietors, and Executive Officers)
  • To your family member(s) 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 – for example a sole proprietor or LLC owner – you should still consider purchasing workers’ compensation insurance in Stoughton MA for yourself. Our team at Morse would be happy to walk you through some of the primary reasons behind why you may want to consider this including:

  • If you own or operate a construction company or other high-risk business
  • If you want additional coverage that your personal health plan may not cover
  • To eliminate any stress or 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 Stoughton MA, four construction workers hold up a beam

For Stoughton 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 bend for a company that violates the mandate.

In fact, employers found to be operating without workers’ compensation coverage will receive a Stop Work Order from the DIA Office of Investigations and can be assessed immediate fines. Fines accrue 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, prefers taking a half glass full perspective instead. This important type of coverage can actually be beneficial because it is designed to protect you and your business from being required to pay large amounts of money to cover an employee’s medical expenses related to a workplace injury or illness. Instead of having to pay the amount owed by yourself, a workers’ compensation policy from Morse Insurance cover:

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

…and also protect you and your company from litigation related to the incident.

Millions of workplace injuries and illnesses occur year after year, so as a business owner, you need to be confident 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 throughout Massachusetts.

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

Here’s How to Maximize Your Workers’ Comp Coverage

We recognize that workers’ compensation insurance 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 with 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 deliver advice and guidance on:

  1. Improving Workplace Safety because we truly believe that the proper way to minmize the risk of injury or illness is to utilize a safety education program to prevent them from happening in the first place
  2. Creating a Safety Committee made up of both management and workers who will provide a strategy for identifying and solving 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 cost of long-term disability and insurance premiums
  4. Properly Filling Out Forms that need to be filed and notifying Morse right away of all injuries and illnesses to avoid penalties related to not filing paperwork in a timely manner

When you demonstrate commitment 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 ensure that your company is a safe place to work.

Learn more about workers’ comp coverage in Stoughton MA and request a free consultation from our business coverage experts today.

Here’s Why Businesses Trust Morse Of Course

When you partner with Morse for your insurance needs, you will be working with a local team that specializes in resolving 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 Stoughton 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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