Workers’ Compensation Insurance in Minnesota
Workers’ comp for Minnesota employers, and for businesses in Wisconsin, Texas, Arkansas, North Carolina and Florida.
When an employee is hurt or gets sick because of their job, workers’ compensation pays their medical bills and part of their lost wages, and it protects your business from being sued over the injury. City Insurance and Financial Services is an independent agency in Minnetonka: we compare workers’ comp policies from several insurance companies and explain what each one costs and why.
What Workers’ Comp Covers
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Medical care: doctor, hospital, prescriptions and rehab
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Part of the employee’s lost wages while they recover
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Disability benefits
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Death benefits for the employee’s family
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Employer’s liability: your legal defense if an injured employee sues
Who Needs Workers’ Comp in Minnesota?
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Every employer with employees. Minnesota employers must carry workers’ comp or be approved to self-insure (Minnesota Statutes § 176.181). That includes one employee, part-time and seasonal workers.
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Contractors and subcontractors. General contractors usually ask for a certificate of insurance before you start or get paid.
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Owners. Sole proprietors and partners are not covered automatically, and some corporate officers and LLC managers who own at least 25% of a small company can be excluded. Each of them can choose to be covered (§ 176.041).
Did You Know?
Running without workers’ comp is expensive: the state can order a penalty of up to $1,000 per employee for every week you weren’t insured, on top of paying the injured worker’s claim.
How the Price Is Set
Your workers’ comp price depends on three things:
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Payroll. Premium is charged per $100 of payroll.
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Type of work (class code). Roofing costs more than office work because injuries are more likely.
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Claims history. Larger businesses get an experience rating: fewer claims than average lowers the price; more raises it.
Why Work With City Insurance?
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Several insurance companies, one application. We compare prices for you.
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Plain English. We explain your class codes and what drives your price.
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First-time employers. We help you get covered before your first hire.
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Six states. We’re licensed in Minnesota, Wisconsin, Texas, Arkansas, North Carolina and Florida, and we check each state’s rules where you have employees.
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Ongoing support. At renewal, when you add employees, and at claim time.
Check If a Business Has Workers’ Comp
The Minnesota Department of Labor and Industry has a free lookup: Workers’ Compensation Insurance Verification. Search the employer’s name to see its insurance company and policy dates.
Workers' Comp FAQ
Yes. Minnesota employers must carry workers’ compensation or be approved to self-insure, even with one employee, and part-time employees count (Minnesota Statutes § 176.181).
Sole proprietors and partners aren’t covered unless they choose to be. Corporate officers and LLC managers who own at least 25% of a small company can be excluded. Each owner can choose to be covered.
By payroll, the type of work your employees do (class code), and, for larger businesses, your claims history.
Use the Minnesota Department of Labor and Industry’s free Workers’ Compensation Insurance Verification lookup and search the employer’s name.
Yes. City Insurance is licensed in Minnesota, Wisconsin, Texas, Arkansas, North Carolina and Florida.
Call us today at (763) 582-1888
Or fill out the quick quote form below to get started.