Workers Comp · Minnesota Employers
Workers compensation is required by Minnesota law for virtually all employers with one or more employees. It covers your employees' medical expenses and lost wages if they're injured on the job — and protects your business from being personally liable for those costs.
What's Covered
Workers compensation is required by Minnesota law for virtually all employers with one or more employees. It covers your employees' medical expenses and lost wages if they're injured on the job — and protects your business from being personally liable for those costs.
Covers all reasonable and necessary medical treatment for work-related injuries and illnesses — doctor visits, emergency care, hospitalization, surgery, physical therapy, and prescription medication.
If an injury prevents an employee from working, workers comp pays two-thirds of their average weekly wage (up to a state maximum) during their recovery period.
Covers temporary total disability, temporary partial disability, permanent partial disability, and permanent total disability — depending on the severity and permanence of the injury.
If an injury permanently prevents an employee from returning to their previous job, workers comp may cover retraining and job placement assistance.
Covers lawsuits filed by employees or their families related to work injuries — situations where an employee believes your negligence caused or worsened their injury beyond what workers comp covers.
Minnesota has specific rules on class codes, experience modification factors, and reporting requirements. We help you classify your employees correctly — misclassification can lead to significant audit surprises.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Yes. Minnesota requires workers compensation coverage for any employer with one or more employees, including part-time and seasonal workers. Sole proprietors and partners can elect to exclude themselves but must be covered if they have any employees.
Class codes categorize employees by job function and risk level — a desk worker and a roofer have very different codes and very different rates. Accurate classification is critical; misclassification can lead to large audit charges at the end of the policy year.
Operating without required workers comp coverage is a misdemeanor in Minnesota. You'll be personally liable for employee injury costs and face daily fines until coverage is obtained. The cost of compliance is almost always far less than the cost of a single uninsured injury.
Yes — through a combination of accurate classification, experience modification management, and a strong safety program. Keeping your claim count low is the most powerful premium control tool over time. We'll help you understand what drives your cost.
