If you work for someone else in Minnesota, you may automatically assume that there is help available if you are injured on the job. This is a logical assumption as the state laws do outline specific requirements for workers’ compensation insurance and coverage. However, there are also some exclusions to these mandated requirements and it is important for people to understand these to avoid being in a situation where there is no assistance possible.
According to the Minnesota Department of Labor and Industry, virtually every employer in the state must provide some sort of workers’ compensation to its employees. This can be done in one of two ways. The first way is by purchasing and paying for private workers’ compensation insurance. This is separate from other types of business insurance. The second way is by receiving approval from the Minnesota Department of Commerce that the business is self-insured.
Coverage must be provided for all employees including aliens, minors and part-time workers. There are no delineations for job duties in many cases. For example, domestic workers such as nannies may be eligible for workers’ compensation benefits. Failure to comply with these regulations can result in charges of a gross misdemeanor. Employers may face civil penalties and be left liable for the benefits and medical treatment costs for their employees.
There are a few types of businesses that do not need to provide workers’ compensation benefits to their employees. Some farms are included in these exemptions depending upon the circumstances. This information is not intended to provide legal advice but general information about workers’ compensation coverage requirements in Minnesota.