Do I need workers’ comp if I only have one employee?

Generally yes—most states require coverage even with one employee. Check specific state rules.

Can I exclude myself as the business owner?

In some cases owners can file to exclude themselves depending on entity type and state regulations. Proper forms are required.

How are workers’ comp premiums calculated?

Key factors include payroll, industry risk class, prior claims, and underwriting credits/debits.

Myth vs Fact: Part-time or seasonal workers don’t need to be covered.

Fact: Many states still require coverage for part-time, seasonal, and family employees. Skipping it can lead to penalties.

Workers’ Compensation Insurance

Q: What does workers’ comp cover?

Medical care, prescriptions, rehab, partial wage replacement, disability or death benefits, and employer liability protection.

Protect Your Team. Protect Your Business.

Workers’ Compensation (WC) insurance is a legal requirement in most states — but more importantly, it protects both your employees and your business. If someone gets hurt or sick on the job, WC pays for medical care and lost wages while shielding your business from lawsuits. Every year, most policies also require a workers’ comp audit to verify payroll and keep your coverage accurate. At City Insurance, we make the process easy so you can stay compliant without overpaying.

What Does Workers’ Comp Cover?

Medical bills (doctor, hospital, prescriptions, rehab)
Lost wages while recovering
Disability benefits
Death benefits
Legal protection for the business

Who Needs Workers’ Comp?

New Businesses: Most states require WC even if you only have one employee.
Contractors & Subcontractors: Many contracts won’t pay you until you show proof of coverage.
Owners & Partners: In some states, you can choose to include or exclude yourself.

Did You Know?

In many states, business owners can file to exclude themselves from Workers’ Comp — but it must be done properly and on time. If you’re unsure, we’ll help you confirm whether you qualify and handle the paperwork.

How Premiums Are Calculated

Your Workers’ Comp premium is based on three main factors:

Payroll Size: More employees = higher premiums.
Industry Risk: High-risk industries (restaurants, garages, construction) pay more than low-risk industries (office work).
Claims History: A clean record can mean discounts, while past claims increase costs.

Why Work With City Insurance?

Multiple Carriers, One Application: We shop top carriers so you don’t have to.
Straightforward Explanations: No jargon, just plain English.
Tailored Guidance: We help first-time business owners get compliant from day one.
Ongoing Support: From setup to renewals to audits — we’ve got your back.
Less Paperwork: Upload documents once and our automation system manages them securely for renewals and audits.

Why WC Matters

✔ Pays medical bills for injured employees
✔ Replaces lost wages during recovery
✔ Protects your business from lawsuits
✔ Keeps you compliant with state law

👉 Call us today at (763) 582-1888

📩 Or fill out the quick quote form below to get started.

Workers' Comp FAQ

Yes. Minnesota law requires coverage even if you only employ one person.
In some cases, yes. Certain owners can file to exclude themselves, but it must be done with the right paperwork and deadlines.
Payroll size, your industry’s risk class, and your claims history are the main factors. More employees and higher-risk work mean higher premiums.
Medical bills, prescriptions, rehab, partial wage replacement while recovering, disability or death benefits, and legal protection for the employer.
Fact: Most states, including Minnesota, still require coverage for part-time, seasonal, and even family employees. Skipping it can lead to fines or lawsuits.

👉 Call us today at (763) 582-1888

📩 Or fill out the quick quote form below to get started.