Minnesota Workers' Compensation Insurance

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

You are required to carry workers' compensation insurance in Minnesota if:

• You have any employees working in Minnesota, including part-time. 
• You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >> 

Other regulations that may affect you:

• Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Factors That Impact Coverage

• You are a sole proprietor: In Minnesota, you and immediate family members can choose not to carry workers’ compensation if there aren’t any other employees.
• You are a partner: In Minnesota, you are excluded from coverage if all employees are partners or immediate family, but you have the option to include yourself.
• You are a corporate officer or member of an LLC: You are exempt from coverage if all employees are corporate officers, members or immediate family, but you have the option to include yourself.