Trust the Experts at Morse Insurance to Find You the Best Workers’ Compensation Insurance in Wareham MA

Businesses in Wareham MA have at least one thing in common with every other business in Massachusetts: You are all obligated to have workers’ compensation plans. Whether you are just starting a company.

It may initially seem like having a workers’ compensation insurance policy in place is simply a way for the local government 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 professionals and local business owners, this coverage is intended to protect you, the employer, as well.

When choosing a local insurance agency to work with, you can be certain that you’ll be receiving workers’ compensation insurance in Wareham MA that will meet all MA requirements, provide the best safeguards for both you and your employees, and will help you save money.

Our coverage consists of the following:

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

An image depicting a potential candidate for workers' compensation insurance in Wareham MA, a craftsman using machinery

Workers’ Compensation Insurance in Wareham MA

All companies based in Massachusetts are required to have workers’ compensation coverage for employees.

This requirement is applicable…

  • Regardless of the number of hours worked by the employee
  • 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 for LLCs, Sole Proprietors, and Executive Officers)
  • 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 are one of the exceptions – say a sole proprietor or LLC owner – you may still want to acquire workers’ compensation insurance in Wareham 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 anxiety over who will pay for each facet of your medical care, from bandages to ambulance fees

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

For Wareham 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 insurance 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 will accumulate 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 perspective instead. Workers’ Comp insurance 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 will kick in and cover:

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

…as well as protecting you from any civil lawsuits.

Countless workplace accidents and illnesses occur year in, year out, so as a business owner, you need to be confident that your workers’ comp program meets all State requirements. The Morse team excels at finding the right workers’ compensation coverage to take care of businesses and their employees throughout Southeastern Massachusetts.

Find out more about workers’ compensation insurance in Wareham MA and contact us to receive a personal quote for your business.

Here’s How to Strengthen Your Workers’ Comp Coverage

We understand that workers’ compensation coverage may be expensive. So, if we tell you that by working 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!

There are many different ways to decrease your workers’ comp coverage costs, and the professionals at Morse are ready to provide our expertise to help you manage these costs. As part of our Risk Management approach to every client relationship, we will give advice and support on:

  1. Improving Workplace Safety because we truly believe that the proper way to minmize the risk of injury and 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 in order to identify and correct 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 help reduce the long-term disability of the employee and keep insurance premiums down
  4. Properly Filling Out Forms and notifying Morse immediately when an accident or illness occurs to avoid fines related to not filing the correct forms in a timely manner

When you show commitment to employee safety and a healthy workplace, 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 Wareham MA and request a free consultation from our team of 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 helping businesses like yours with all of their workers’ comp coverage questions, issues, and needs. 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 friendly, knowledgeable team is here to offer you the exceptional customer service experience you deserve. If you want to partner with an insurance team that will go above and beyond, then choose Morse, Of Course.

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