Workers' compensation -- About workers' compensation coverage
Who needs workers' compensation coverage?
Minnesota Workers' Compensation law states 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 that hire another to perform services. Employees are generally defined as people performing services for another, for hire, including minors, part-time workers and workers who are not citizens. Information about limited exceptions to mandatory coverage are explained in a workers' compensation insurance fact sheet.
The Special Compensation Fund unit investigates employers that may not have carried workers' compensation insurance coverage for employees. Results of these mandatory coverage investigations may be referred for civil penalty action (see Fines and penalties for failure to insure).
If you have questions regarding the need to obtain workers' compensation coverage, contact DLI's Alternative Dispute Resolution unit at (651) 284-5032 or 1-800-342-5354.
How to obtain workers' compensation coverage
Workers' compensation insurance in Minnesota may be purchased through an insurance agent or directly from an insurance company. Learn more ...
Report a business that does not have workers' compensation coverage
To report a business that does not have workers' compensation coverage, you do not need to give your name. You may complete an online form or contact DLI's Special Compensation Fund unit by phone at (651) 284-5453 or by email.
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