Quick guide: Workers’ compensation in Minnesota
Your small business work comp questions answered
You’ve got a business to run so we’ll tell you what you need to know about workers’ compensation in Minnesota — what it is, who needs it, and where you can buy it.
What is workers’ comp?
What does workers' compensation insurance cover?
How do I know if I need workers' comp insurance?
There are just a few exceptions, which are listed in the next question.
Are there any exceptions for family members or small businesses?
There are a few exceptions in Minnesota workers’ compensation law:
- Sole proprietors or partners along with their spouses, parents or children
- Some officers of closely held corporations, some managers of limited liability companies and certain relatives are also excluded if certain requirements are met. See Minnesota state law for specifics
How much will it cost?
Your workers’ compensation premium is based on how much your payroll is, how dangerous your industry is, and your business’s history of work injuries. If you have a clean safety record, it can help keep your premium low.
For more on how premium is calculated, see our Workers’ Comp 101 page.
Where do I buy workers’ comp insurance?
Where can I get more information on workers’ compensation in Minnesota?
Since workers’ comp coverage is mandated by the state, the Minnesota Department of Labor and Industry’s workers’ compensation page is your go-to source of information. For safety requirements and information, check out the Minnesota Occupational Safety and Health Administration area of their website.