MN Workers Comp Information

Learn all the latest information about Minnesota workers compensation insurance laws.

Many employers are not informed about workers compensation. Most know they are required to have it, but many do not fully understand what it covers and how it protects their business.

At Workers Compensation, we specialize in work comp. Our agents know how to get the best value for all industries. Below are some informational topics specific to Minnesota. After reading these topics you will be armed with information to find the best value for your workers' compensation needs.

When you are ready you can start a quote online or call one of our agents at 888-611-7467.

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About Workers Compensation in Minnesota

Minnesota Labor and Industry, Workers Compensation Division

85 7th Place East
Suite 500
St. Paul, MN 55101

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Minnesota Work Comp Credits

Minnesota allows insurance companies to offer a scheduled credit or debit up to 25% of the premium. This makes it crucially important to shop your policy with as many carriers as possible.

Minnesota Workers Compensation Assigned Risk Plan(MWCARP)

MWCARP is the source of workers' compensation and employers' liability coverage for Minnesota employers who have been unable to secure other coverage through the voluntary market. The MWCARP was created by the State Legislature to ensure that all Minnesota employers are able to obtain workers' compensation coverage as required by law.

Minnesota Workers Compensation Insurance Association

Minnesota is a non NCCI state. Meaning it has its own regulating organization, The Minnesota Workers' Compensation Insurance Association(MWCIA). The MWCIA was created to collect, process, and analyze workers’ compensation data so that it can provide high quality, consistent information to our insurer members and regulators.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
MN Owners and Officers

Shopping in Minnesota

Minnesota business owners should take care in ensuring they are either covered or excluded on their insurance policy. Sole proprietors, Partners and Corporate Officers are excluded from coverage, but the may elect to be included. LLC members have some exclusions for managers and members of their family.

The payroll used to rate premium is a minimum of $49,972.00 and a maximum of $199,888.00.

Let Workers Compensation help your business navigate workers comp insurance in Minnesota.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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