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Workers' Compensation for Minnesota Businesses
Is workers’ comp mandatory in Minnesota?
According to the Minnesota Department of Labor and Industry, the Minnesota Workers’ Compensation Law states that all employers are required to purchase workers’ compensation insurance or become self-insured. This is often referred to as “mandatory coverage.”
Employers are generally defined as those who hire others to perform services. Employees are generally defined as people performing services for another, for hire, including minors and workers who are not citizens.
As one might anticipate, there are always exceptions to the rule. Some employers are exempt and these exemptions are specified in Minnesota Statutes. However, there are common misperceptions that need clarification about who needs coverage and who does not.
*2019 business stats provided by the Bureau of Labor Statistics
number of residents employed by small businesses
small businesses where work accidents can take place
sq ft of the Mall of America
post it notes produced every year
Fortune 500 companies
Minnesota Businesses We Cover with Workers' Comp Insurance
Food & Beverage
Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and NightclubsGet a Free Quote
Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)Get a Free Quote
Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and TranscriptionGet a Free Quote
Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food StoresGet a Free Quote
Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation ServicesGet a Free Quote
Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)Get a Free Quote
Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event PlannersGet a Free Quote
Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor ShopsGet a Free Quote
Personal Product Retail
Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video GamesGet a Free Quote
Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and VeterinariansGet a Free Quote
Architecture & Engineering Services
Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)Get a Free Quote
Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title InsuranceGet a Free Quote
Scientific Research & Development/Consulting, Technical Consulting, & Environmental ConsultingGet a Free Quote
Office, Home, & Garden
Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & TaxidermistsGet a Free Quote
Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational TherapyGet a Free Quote
Explore commonly asked questions about business type, industry and state.
How is Workers' Compensation related to payroll? What do I do when I hire, give raises or fire employees?