Specializing in car insurance, homeowner insurance, life & business insurance in Minneapolis St. Paul, Minnesota and Wisconsin

MISA- Minnesota Insurance Service Agency - we look for the best car insurance, homeowner insurance, business insurance, and life insurance coverage to fit
your needs and budget.

Paul Dormody Why Minnesota Insurance Service Agency? (YMISA.com)
Because we respect and treat you like family!
Marge Dormody
The fried computer, technology insurance, general liability insurance, insurance, business insurance, restaurant insurance, Minnesota, Wisconsin, referral source


Tech black hole, technology insurance, general liability insurance, insurance, business insurance, restaurant insurance, Minnesota, Wisconsin, referral source


Faulty Programming
Workers Compensation Insurance

Workers Compensation Insurance - for all employers


Workers compensation insurance is meant to cover employees who are injured during the course of their work. Employers who carry workers compensation insurance are assured that they will not be sued for damage, medical care, and lost wages if an employee is hurt while on the job. Workers compensation insurance typically compensates employees for wages, medical benefits, rehabilitative services, and offers a death benefit for employees survivors in the event of a fatal injury.

The common Workers Compensation insurance policy combines two coverages: Workers Compensation coverage and employers liability coverage. Employers liability coverage covers an employer's liability to employees for work related injuries.

Workers Compensation Insurance Limits

Common statutory limits for Workers Compensation Insurance are $100,000 per accident, $500,000 aggregate per policy, and $100,000 for disease. These limits can normally be increased to $500/500/500 or $1M/1M/1M for an additional premium.

Workers Compensation Requirements

With some slight variations, Workers Compensation insurance is required by most states. Your insurance agent should be able to inform you about the requirements in your state.

Workers Compensation and subcontractors

In many states, it is difficult to determine whether an independent subcontractor is required to carry Workers Compensation insurance. Most jurisdictions hold that an independent contractor is responsible for injuries to employees of subcontractors in the absence of other insurance.

Some states hold that a single independent subcontractor is not required to carry Workers Compensation insurance. However, if you employ an individual who is a subcontractor who claims that he is not required to carry Workers Compensation insurance because he is independent, if that person is injured on the job, the question is what will happen if that person is injured while working for you. At that point, if they insist that they are your employee, you could be liable.

As an employer, the safest course is to require that any subcontractor working for you provide you with a current certificate of insurance that shows Workers Compensation coverage.
Restaurant building

Restaurant Inventory

Liquor Liability

Business Interruption

Workers Comp Claims
 
©YMISA.com; ©MN-insurance.com; ©Minnesota Insurance Service Agency, Inc. — MISA  All Rights Reserved
 
Minnesota Insurance Service Agency, Inc.; DBA MISA; DBA Midwest Insurance Service Agency
Our goal is to offer our clients the highest quality insurance assistance available!