How to Get Workers’ Comp Proof of Coverage in Minnesota
Having proof of the fact that your company has Workers’ Compensation insurance is important, especially since companies unable to produce such proof might face fines or other penalties in Minnesota.
Companies in Minnesota can get proof of their Workers’ Compensation polices by contacting our brokers or their insurance carriers directly for a copy. The Workers’ Compensation Division of the Minnesota Department of Labor and Industry requires all applicable companies to submit updated proof of their Workers’ Compensation policies for its online portal. If you have not sent in proof of your company’s policy and are reported, your company might be penalized if you cannot produce the necessary documentation. Penalties will likely continue if your company does not have Workers’ Compensation in Minnesota.
Call our Minnesota Workers’ Compensation insurance brokers at (866) 340-9120 to learn more about how NPN Brokers can help your company get coverage today.
Ways to Obtain Proof of Workers’ Comp in Minnesota
You can obtain proof of your company’s Workers’ Compensation policy in one of several ways. The easiest solution to this problem is to make sure that your office keeps a record of your policy so that you have it on hand in case you need to produce it. When that is not possible, companies in Minnesota can contact our brokers or their insurance carriers directly to get a certificate of insurance.
Keep a Copy on Hand
For various reasons, companies in Minnesota might have to produce proof of their Workers’ Compensation policies at a moment’s notice. To be able to respond in these situations easily, do your best to keep a duplicate of your company’s proof of insurance so that you can access it right away. This simple document includes your company’s name, its insurance carrier, and the day its insurance coverage commences. You will not have to get an updated certificate of insurance unless your policy has lapsed or you have gotten a new Workers’ Compensation plan.
Contact Our Brokers
If you purchase your insurance through our Minnesota Workers’ Compensation insurance brokers, we can help you get documentation of your insurance in a timely fashion. This is especially true if you require coverage quickly. Our brokers can source policy quotes in as little as a day. When you purchase your insurance policy, we can ensure you receive a certificate of insurance so it is easily accessible for any future needs.
Call Your Carrier
If you have misplaced your company’s proof of workplace liability insurance document, you can simply call its Workers’ Compensation coverage carrier to request a new copy. Carriers should be capable of providing this information relatively quickly, especially because they typically have proof of a company’s policy easily accessible in their records.
What Minnesota Agency Might Require Proof of Workers’ Comp Insurance?
The Minnesota Department of Labor and Industry requires that all companies that need Workers’ Compensation send updated proof of workplace liability insurance so that employees and others can easily confirm or deny whether or not a company has Workers’ Compensation.
The Workers’ Compensation Division within the Minnesota Department of Labor and Industry has an online portal that allows employees and other interested parties to search a company’s Workers’ Compensation coverage. To perform this search, people only need to enter the date of interest, the employer’s name, and the address of employment. If an employer is self-insured, the search will not reflect such information.
Virtually all companies need Workers’ Compensation in Minnesota, meaning most should send up-to-date verification of insurance to the Workers’ Compensation Division. If you fail to do this, and an employee or another party becomes aware of your non-compliance, your company might be reported to the Workers’ Compensation Division.
Employees might also request to see proof of insurance before agreeing to take a job. Suppose your company does work for clients on their properties. In that case, they might also ask to see proof of your company’s Workers’ Compensation policy to ensure they will not be held liable should one of your employees be injured on the job in Minnesota.
What if You Don’t Have Proof of Workers’ Comp in Minnesota?
If you fail to send proof of your company’s insurance policy to the Workers’ Compensation Division in Minnesota, or you are unable to obtain a copy quickly, your company might be penalized.
If the Workers’ Compensation Division becomes aware of the fact that you have not submitted proof of an insurance policy or that your previous coverage has lapsed, you might be given a fine. Without a certificate of insurance, the Workers’ Compensation Division might assume that your company does not have coverage. Fines in these instances might equate to $1,000 per uninsured employee per week.
If you have insurance but did not submit verification of coverage to the Workers’ Compensation Division, you will have ten days to contest the fines imposed upon your company. If you cannot produce proof of coverage because your company does not have Workers’ Compensation, the fines will continue to be imposed.
Furthermore, if your company does not have Workers’ Compensation at all and an employee is injured while working, your company might face additional financial consequences. In these instances, an injured worker can receive benefits through the Special Compensation Fund in Minnesota. Suppose the judge in the claim determines that the employer was liable for the employee’s injuries. In that case, the employer must reimburse the Special Commission Fund and pay another fine of up to 65% of the benefits paid to the injured employee. All of these penalties can be avoided by purchasing a Workers’ Compensation policy and keeping a copy of your company’s certificate of insurance handy in Minnesota.
Call Our Minnesota Brokers to Get Workers’ Comp
Call (866) 340-9120 and speak with the Minnesota Workers’ Compensation insurance brokers at NPN Brokers about finding coverage today.
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