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

Business owners in Taunton MA have at least one thing in common with every other business in Massachusetts: You are all required to have workers’ compensation plans. Whether you’ve just started your business or have been a business owner for decades, understanding the details about this necessary coverage is extremely important.

Upon first glance, it may seem like workers’ compensation policies are merely a way for the local government to protect workers who experience a workplace injury. However, from our perspective as both insurance professionals and local business owners, this coverage is meant to protect you, the employer, as well.

When you choose to work with Morse, you can be certain that you’ll be receiving workers’ compensation insurance in Taunton MA that will meet all MA requirements, offer the best protections for both you and your staff, and will save you money.

Our team focuses primarily on the following offerings:

  • Workers’ Compensation Insurance in Taunton MA
  • Workers’ Comp Coverage in Taunton MA
  • Medical Expense Policies
  • Coverage for Permanent Disability
  • Partial Wage Policies
  • Death Benefit to Beneficiary
  • And More

A photo showing a potential candidate for workers' compensation insurance in Taunton MA, a craftsman using machinery in the workplace

Workers’ Compensation Insurance in Taunton MA

All businesses in Massachusetts are required to have workers’ compensation coverage for all employees.

This requirement is applicable…

  • Regardless of the number of hours worked by the employee
  • For domestic service employees who work at least 16 hours a week
  • To cover you, the business owner, if you are considered an employee of the business (exceptions may exist for Sole Proprietors, Limited Liability Corporations and Executive Officers)
  • To your family member(s) 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 are one of the exceptions – for example a sole proprietor or certain corporate officers – you should still consider purchasing workers’ compensation insurance in Taunton MA for yourself. Our team at Morse can explain in detail some of the key factors behind why you may want to consider this including:

  • Working in construction or other high-risk jobs
  • If you want additional protection against accidents in the workplace or on a job, which your personal health insurance may not cover
  • To avoid any stress or anxiety over who will pay for each facet of your medical care, from ambulance rides to bandages

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

For Taunton 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 receive a Stop Work Order from the DIA Office of Investigations and can be assessed minimum fines of $100 per day starting immediately. Fines accumulate each day 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, likes to take a half glass full point of view instead. This 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 being required to pay the balance 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 pertaining to the accident.

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 Massachusetts expert on workers’ compensation insurance and is here to help ensure that you have the best protection for both you and your employees.

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

Get the Most Out of Your Workers’ Comp Coverage

We understand that workers’ compensation insurance might be costly. 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 learn more?

There are a number of ways to decrease your workers’ comp coverage costs, and the experts at Morse are ready to provide our expertise to help you manage these costs. We approach every client relationship with Risk Management in mind, providing advice on:

  1. Ways to Improve Workplace Safety because we truly believe that the proper way to minmize 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 of both management and workers in order to identify and fix 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 that need to be filed and notifying Morse immediately when an illness or accident occurs to avoid fines related to not filing the correct forms in a timely manner

When you exhibit commitment to employee safety and a healthy workplace, it shows your workers how much you care about them. 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 Taunton MA and request a free assessment from our business coverage experts today.

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

When you partner with Morse for your insurance needs, you will be working with a local team that specializes in solving issues, answering questions, and identifying the optimal options for workers’ comp coverage. Our mission is to not only make the insurance process go smoothly 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 Taunton 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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