Minnesota Workers Comp Rates

Minnesota workers' compensation rates continue to increase in 2019.

Workers Comp Rates in Minnesota are competitive with the national averages and they have remained fairly steady for the past five years. It is still important to shop your businesses Workers Compensation Policy in order to find the most comprehensive coverage and the best rates. Our agents specialize in Workers' Compensation Coverage. We know how to get the best coverage and the most discounts for your industry.

We are a nationwide agency who works with more than 35 insurance carriers. This allows us to shop your policy to more carriers and find more options for your unique business needs. We also offer flexible payment options to help free up cash flow.

Call today to speak with one of our work comp experts 888-611-7467 and find out about all the ways we can help you save on your workers' compensation coverage.

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MN Rates for Select Work Comp Class Codes

The workers' compensation rates listed below for Minnesota represent the current insurance rates for 2019. Rates are regulated by the Minnesota Department of Commerce and Minnesota Labor and Industry. Insurance companies may be able to offer premium discounts and policy credits to policies. We offer Pay As You Go coverage in MN. Not all employers will qualify for the lowest rates available or maximum policy credits. We shop rates with more carriers so our customers get the best deal on their coverage.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $5.45 $5.45
0042 Landscaping Service $12.57 $12.57
0106 Tree Trimming- Pruning- Removal $12.57 $12.57
0917 Residential Cleaning Service- Housekeepers $9.05 $9.05
2111 Winery- Wine Makers $5.39 $5.38
2121 Breweries- Craft Beers $3.27 $3.27
2585 Carpet Cleaning $6.57 $6.57
2585* Dry Cleaning and Laundry Service $6.57 $6.57
3632 Machine Shop $6.66 $6.66
3724 Garage Door Installation $8.99 $8.99
3821 Salvage Yard $3.94 $11.25
5022 Masonry $6.63 $18.95
5102 Door & Window Installation $4.82 $13.78
5183 Plumbing $2.66 $7.59
5190 Electrical Wiring $1.87 $5.34
5221 Concrete Construction $4.47 $12.76
5348 Tile Installation $4.29 $12.27
5437 Carpentry Trim $7.17 $20.49
5474 Painting $4.86 $13.89
5478 Flooring $6.17 $17.63
5537 HVAC Installation & Repair $2.27 $6.49
5645 Carpentry Noc. Residential Construction $6.83 $19.50
7228 Short Haul Trucking $4.26 $12.18
7605 Alarm Installation $0.69 $1.98
8006 Gas Station $1.51 $4.32
8017 Retail Store $0.91 $2.61
8380 Auto Shop $2.03 $5.80
8742 Outside Sales Person $0.21 $0.61
8810 Clerical - NOC $0.10 $0.22
8832 Doctors Office $0.24 $0.69
8835 Home Health Care $1.19 $3.41
8842 Group Homes $1.18 $3.38
9012 Building Operations By Owner $0.98 $2.81
9014 Janitorial Cleaning $2.39 $6.82
9015 Building Operations By Contractor $2.39 $6.82
9052 Hotel Employees $1.62 $4.62
9082 Restaurant $0.85 $2.42
9083 Restaurant Fast Food $0.97 $2.78
9102 Lawn Care $2.31 $6.60
9516 Electrical Equipment Service & Repair $3.34 $9.54

Minnesota rates vary by workers' compensation class codes and insurance company underwriting guidelines. Employers' who have an Experience Modification Factor assigned to their FEIN may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation loss experience. While there is not a State Fund in MN, assigned risk policies may be purchased through the Minnesota Workers Compensation Assigned Risk Plan (MWCARP). We a re a national agnecy and can help with coverage in Minnesota or across state lines.

State Resources for Minnesota

Minnesota Department of Commerce

85 7th Place East, Suite 500
St. Paul, MN 55101
651-296-2488
http://mn.gov/commerce/insurance/

Minnesota Labor and Industry

Workers Compensation Division
443 Lafayette Road
St. Paul, MN 55155
1-800-342-5354
http://www.dli.mn.gov/wc/contact.asp

Minnesota is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in MN. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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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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