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Minnesota's Workers' Compensation Insurance Law
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Unlike most other states, Minnesota does not provide any waiver to any employers. All employers are legally required to provide insurance coverage to all their employees, including non-US citizens and minors.

MN Workers' Comp: Key Details

  • Sole proprietors, partners, and corporate officers in Minnesota are excluded from compulsory coverage, but may elect to be included in their policy.
  • Some exceptions include…
    • Family farm operations (see Minnesota's Department of Labor and Industry site for more details).
    • Casual / infrequent employees.
    • Household workers who earn less than $1,000 cash during a business quarter.
    • Veterans organization officers and members attending meetings and conventions.
    • Nonprofit associations with a total annual payroll for all employees of less than $1,000.
    • People covered under the Domestic Volunteer Service Act of 1973 (Vista volunteers, foster grandparents).
  • There is no state-funded Workers' Comp pool in MN, but insurance can be purchased through a private insurer. Eligible businesses may self-insure with the proper filing.

For more information on Workers' Comp requirements for Minnesota businesses, check out the resources from the state's Department of Labor and Industry.

Workers' Compensation Insurance: Further Reading

See Workers' Comp Laws Where You Live

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