How does workers' comp work in Minnesota?

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.

Workers' Comp Rules & Information for Minnesota

State Insurance Directives Regarding Covid-19

The state of Minnesota has not issues any directives.

Discretionary order in effect from 03/13/2020 - further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

This bill creates a rebuttable presumption that an employee who contracts COVID-19 is presumed to have an occupational disease arising out of and in the course of employment, provided the employee satisfies the following conditions: 1) is a first responder or certain other related employee, as enumerated in the bill (e.g., peace officer, firefighter, paramedic, nurse or health care worker, correctional officer, home care/long-term care provider, child care provider for the aforementioned employees); and 2) contraction of COVID-19 is confirmed by a positive lab test or, if unavailable, diagnosed and documented by physician, physician's assistant, or advanced practice registered nurse. A copy of the positve test/diagnosis must be provided to employer or insurer. The presumption may be rebutted only if the employer or insurer shows the employment was not a direct cause of the disease. A denial of liability must meet statutory requirements for a denial. The date of injury is the date the employee was unable to work due to COVID-19 diagnosis or due to symptoms later diagnosed as COVID-19. An employee who contracts COVID-19 but is otherwise not entitled to this presumption may still claim an occupational disease as provided in other provisions.

Mandatory order in effect from 04/07/2020 until 05/01/2020.

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 Premium 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 Health Care
  • 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.

What Does Workers' Compensation Insurance Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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