Workers' Compensation Insurance in Minnesota
Securing Minnesota Businesses & Employees the Intelligent Way
Minnesota Workers’ Compensation Insurance Made Easy
As a Minnesota business owner, it is more important than ever to protect your firm and your employees. Accidents can happen anywhere—on a construction site, in a restaurant, in an office, or while making a delivery. One accident could cost your business thousands if not adequately insured.
That’s where we come in at Elevated Risk Solutions. We specialize in Workers’ Compensation Insurance in Minnesota, offering low-cost, customizable plans that comply with state requirements and protect you and your workers.
Is your policy stamped with the Elevated Risk Solutions Seal of Approval? If not, you may well be overpaying—or worse, underinsured.
Call 952-469-0401 Today for a Quick, Free Quote!
What Is Workers’ Compensation Insurance?
Workers’ Compensation Insurance, or work comp insurance, is mandatory coverage that provides medical and wage benefits to employees who suffer injuries or fall sick while performing work-related activities.
It covers in Minnesota:
- Work-related injury or illness medical costs
- Partial pay while the worker recovers
- Compensation for disability in case of long-term or permanent injury
- Families of employees who pass away/die due to work-related accidents and receive death benefits
It’s not just smart to do—it’s the law. Minnesota requires that all businesses with even one employee have workers’ compensation insurance.
We make it easy, affordable, and fast to get covered.
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Affordable Minnesota Workers’ Compensation Insurance
Elevated Risk Solutions compares 50+ top-rated insurance companies to obtain Minnesota’s lowest-cost workers’ compensation insurance rates for you.
We offer:
✅ Inexpensive work comp insurance with flexible coverage limits
✅ Discount packages when bundled with general liability or property insurance
✅ Low down payments and easy monthly pay plans
✅ Fast, free quotes in minutes
✅ Friendly local service from our Lakeville, MN office
Fast Free Quotes. Trust Elevated Risk Solutions.
Save Money. Easy. We find affordable solutions.
Call 952-469-0401 Today to start your online workers’ compensation insurance quote.
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Why Do You Need Workers’ Compensation Insurance?
Workers’ comp insurance helps protect your business and your employees. Here are some reasons why you need it:
- It’s required in Minnesota if you have employees—seasonal or part-time.
- It covers your employees by paying their medical expenses and lost income from a work-related injury.
- It covers your business from lawsuits resulting from on-the-job injuries.
- It gives you peace of mind knowing you’re protected and in compliance.
No matter what business—restaurant, construction, retail, transportation, healthcare, or manufacturing—Elevated Risk Solutions can find a program that precisely fits your requirements.
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Why Elevated Risk Solutions?
- Independent Insurance Agency – We act on your behalf, not for one insurance provider.
- Commercial Insurance Specialists – We understand the risks and requirements of Minnesota businesses.
- Local Service – Based in Lakeville, MN, we proudly serve businesses statewide.
- Town’s Lowest Prices – We’ll seek out all available discounts to save you money.
Today’s Forecast: Massive Savings!
Don’t delay—get a quote Today and find out how much you can save on your workers’ comp insurance.
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Minnesota Workers’ Compensation Insurance Mandate
Minnesota law requires all employers of any size to have workers’ compensation insurance if they have one or more employees—the types of employees include full-time, part-time, seasonal, and temporary workers.
If you’re independent, it’s voluntary but strongly recommended. Even if you have subcontractors or 1099 workers, you can be held responsible if they become injured without their own coverage.
Elevated Risk Solutions will walk you through state regulations, stay away from penalties, and stay in compliance—without overpaying.
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Minnesota Workers’ Compensation Insurance Cost
Workers’ comp insurance costs will differ depending on your industry, payroll size, and loss history.
- Low-risk businesses (like offices or retail) may pay as little as $40–$60 per month.
- Higher-risk businesses (like construction or manufacturing) may pay more, but we’ll find every discount possible to lower your premium.
We specialize in helping businesses move out of the Minnesota Assigned Risk Pool (through Superior Point or Old Republic) and into the standard insurance market, saving clients 10–25% annually.
Workers’ Compensation Insurance FAQs
1️⃣ How much does workers’ compensation insurance cost in Minnesota?
It varies based on the type of work, payroll, and claims record. Small employers pay $500–$1,200 per year for each employee. We comparison shop a few carriers to get the best possible rate.
2️⃣ What are the laws in Minnesota for keeping workers’ compensation insurance?
Minnesota requires all employers with at least one employee to maintain coverage. Without it, they may face fines, penalties, and personal liability for claims.
3️⃣ What kinds of limits are offered on workers’ compensation insurance policies?
Standard workers’ compensation policies follow state laws in terms of benefit limits. Employers can buy employer’s liability coverage with limits of up to $1 million per accident for additional protection.
Does Elevated Risk Solutions offer payment plans?
Yes! We have several low-cost pay plans with low down payments and monthly installments. It’s easy to get covered now and pay overtime.
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Get Your Free Workers’ Comp Insurance Quote Today
Don’t delay—get your quote Today!
Elevated Risk Solutions provides the best value on workers’ compensation insurance in Minnesota.
Call 952-469-0401 for your Fast Free Quote
Or obtain an Online Workers’ Compensation Insurance Quote Today.
Minnesota’s top choice for elevated commercial insurance protection.
Elevated Risk Solutions – Minnesota Workers’ Compensation Insurance.
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