Workers Compensation
Required coverage for Minnesota employers, set up correctly the first time and adjusted as your crew changes.
Minnesota requires most employers to carry workers compensation, and getting the details right matters: classification codes, payroll estimates, and owner coverage elections all affect what you pay. Todd sets up workers comp for small crews and growing companies across the metro, explains how the audit process works, and shops the coverage across carriers who want small-business accounts. When your payroll or your crew changes, you call one number and it gets handled.
What's Included
- Minnesota compliance guidance
- Classification codes reviewed
- Payroll and audit help
- Owner election options explained
Workers Compensation Service Areas
Todd writes workers compensation across the northwest Twin Cities metro.
Frequently Asked Questions
Do I need workers comp if I only have one employee?
In most cases, yes. Minnesota requires coverage for nearly all employees, with limited exceptions. Todd can tell you quickly whether your situation requires it and what it would cost.
What is a workers comp audit?
Carriers audit your actual payroll at the end of the policy year and adjust your premium to match. Todd helps you estimate accurately up front so the audit is a formality, not a surprise bill.
As the owner, am I covered too?
Owners can often elect in or out of coverage, and the right answer depends on your health coverage and your role in the work. Todd walks through the tradeoffs with you.
Other Services
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →