Office of the Revisor of Statutes
2022 minnesota statutes, section 79.252.
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Recent History
- 2006 Subd. 2a New 2006 c 255 s 1
- 2006 Subd. 3a New 2006 c 255 s 1
- 2006 Subd. 3b New 2006 c 255 s 1
- 2002 Subd. 3 Amended 2002 c 387 s 6
- 2000 Subd. 4 Amended 2000 c 394 art 2 s 20
79.252 ASSIGNED RISK PLAN.
Subdivision 1. purpose..
The purpose of the assigned risk plan is to provide workers' compensation coverage to employers rejected by a licensed insurance company pursuant to subdivision 2.
Subd. 2. Rejected risks.
An insurer that refuses to write insurance for an employer shall furnish the employer a written notice of refusal. The employer shall file a copy of the notice of refusal with the data service organization under contract with the commissioner pursuant to section 79.251, subdivision 4 .
Subd. 2a. Minimum qualifications.
Any employer that (1) is required to carry workers' compensation insurance pursuant to chapter 176 and (2) has a current written notice of refusal to insure pursuant to subdivision 2, is entitled to coverage upon making written application to the assigned risk plan, and paying the applicable premium.
Subd. 3. Coverage.
(a) Policies and contracts of coverage issued pursuant to section 79.251, subdivision 4 , shall contain the usual and customary provisions of workers' compensation insurance policies, and shall be deemed to meet the mandatory workers' compensation insurance requirements of section 176.181, subdivision 2 .
(b) Policies issued by the assigned risk plan pursuant to this chapter may also provide workers' compensation coverage required under the laws of states other than Minnesota, including coverages commonly known as "all states coverage." The commissioner may apply for and obtain any licensure required in any other state to issue that coverage.
Subd. 3a. Disqualifying factors.
An employer may be denied or terminated from coverage through the assigned risk plan if the employer:
(1) applies for coverage for only a portion of the employer's statutory liability under chapter 176, excluding wrap-up policies;
(2) has an outstanding debt due and owing to the assigned risk plan at the time of renewal arising from a prior policy;
(3) persistently refuses to permit completion of an adequate payroll audit;
(4) repeatedly submits misleading or erroneous payroll information; or
(5) flagrantly disregards safety or loss control recommendations. Cancellation for nonpayment of premium may be initiated by the service contractor upon 60 days' written notice to the employer pursuant to section 176.185 , subdivision 1.
Subd. 3b. Occupational disease exposure.
An employer having a significant occupational disease exposure, as determined by the commissioner, to be entitled to coverage shall have physical examinations made:
(1) of employees who have not been examined within one year of the date of application for assignment;
(2) of new employees before hiring; and
(3) of terminated employees. Upon request, the findings and reports of doctors making examinations, together with x-rays and other original exhibits, must be furnished to the assigned risk plan or the Department of Labor and Industry.
Subd. 4. Responsibilities.
Assigned risk policies and contracts of coverage are subject to taxation under chapter 297I, and special compensation fund assessments under Minnesota Statutes 1990, section 176.131, subdivision 10 . The assigned risk plan shall be a member of the reinsurance association for the purposes of sections 79.34 to 79.40 and may select either retention limit provided in section 79.34, subdivision 2 .
Subd. 5. Rules.
The commissioner may adopt rules as may be necessary to implement section 79.251 and this section.
1983 c 290 s 6 ; 1984 c 640 s 32 ; 1Sp1985 c 10 s 72 ; 1992 c 510 art 3 s 6 ,7; 1993 c 13 art 2 s 1 ; 1993 c 299 s 31 ; 1995 c 233 art 2 s 56 ; 2000 c 394 art 2 s 20 ; 2002 c 387 s 6 ; 2006 c 255 s 66 -68
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Work comp: How to obtain workers' compensation insurance
What is required of employers.
The Minnesota Workers' Compensation Law states that all employers are required to purchase workers' compensation insurance or become self-insured.
Workers' compensation insurance in Minnesota may be purchased through an insurance agent or directly from an insurance company. Although some states (North Dakota is an example) provide workers' compensation insurance directly to employers, Minnesota and most other states do not. Employers should contact an insurance agent or insurer that deals in commercial or business insurance to obtain a workers' compensation insurance policy to cover their employees.
Use the Minnesota Department of Commerce "License Lookup Directory" tool to determine if a company or individual is licensed to provide workers' compensation insurance.
If an employer is not able to obtain insurance in the voluntary market, assigned risk-plan coverage (sometimes referred to as "assigned risk-pool" insurance) can be obtained with the assistance of an insurance agent or by calling the Minnesota Workers' Compensation Insurers' Association at 952-897-1737 for more information about how to apply.
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What are state workers’ compensation programs.
If your business is unable to obtain workers’ compensation coverage from a private insurance company, you may receive higher risk coverage through your state’s workers’ compensation pool or fund. This is often referred to as an assigned risk plan or assigned risk pool.
SFM provides coverage for employers in the Wisconsin Worker’s Compensation Insurance Pool. We manage claims, conduct annual premium audits, help prevent injuries and collect payments for these policies. Tools and resources are available below to help you manage your policy. (Please note : Superior Point, a subsidiary of SFM, is the contract administrator of the Minnesota Workers’ Compensation Assigned Risk Plan. If you have a policy through the Minnesota Assigned Risk Plan, please visit superiorpoint.com .)
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State of Minnesota Workers’ Compensation
- Traumatic injuries
- Occupational diseases
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- Qualifying mental injuries
Minnesota Workers’ Compensation Insurance Coverage
- Partial replacement of lost wages
- Help covering an employee’s medical costs
- Finding vocational rehabilitation
- An employee has been improperly lifting boxes for months. He develops back and shoulder pain. He has to miss work to attend physical therapy sessions. Workers' comp can help cover the ongoing care costs.
- An employee is driving to Minneapolis to make a delivery. He loses control of the car and crashes. He's taken to the hospital for minor injuries. Workers' comp can help pay his medical costs.
- An employee falls off a ladder and fractures her leg while stocking shelves. She goes to the hospital and finds out she needs physical therapy to help with her recovery. Workers' comp insurance can help cover her medical treatment costs.
- An employee injures his back from carrying a box at work. Workers’ compensation insurance can help cover the medical expenses to treat his back.
- Gets sick or sustains a personal injury outside of work
- Is intoxicated at the time of the accident
- Intentionally injures themselves in a workplace accident
- Help covering an employee’s cost of medical care
- Wage-loss benefits that pay a portion of lost income
- Permanent bodily damage benefits
- Death benefits to a surviving spouse or dependents
- Vocational rehabilitation services
- Travel mileage for treatment and rehabilitation
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- Partial disability
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VIDEO
COMMENTS
The Minnesota Workers' Compensation Assigned Risk Plan (MWCARP) is the source of workers' compensation and employers' liability coverage for Minnesota
Online Assigned Risk. For Assigned Risk applicants ONLY Click HERE to Login ... Minnesota Workers' Compensation Insurers Association (MWCIA) Enhanced Online
The Minnesota Workers' Compensation Assigned Risk Plan (MWCARP) is the source of workers' compensation and employers' liability coverage for Minnesota
The purpose of the assigned risk plan is to provide workers' compensation coverage to employers rejected by a licensed insurance company pursuant to
Workers' compensation insurance in Minnesota may be purchased through an ... coverage (sometimes referred to as "assigned risk-pool" insurance) can be
State fund workers comp for all Business Owners. MWCARP is the Administrator of the Minnesota Insurance Pool. They oversee the State Fund and manage the
The Minnesota Automobile Assigned Risk Plan (MNAIP) became effective December 18, 1942. The name was changed to the Minnesota Automobile Insurance Plan.
Superior Point is the contract administrator of the Minnesota Workers' Compensation Assigned Risk Plan (MWCARP). The MWCARP provides workers' comp and employers
This is often referred to as an assigned risk plan or assigned risk pool. SFM provides coverage for employers in the Wisconsin Worker's Compensation Insurance
Some businesses with high levels of risk will need to work with an insurance agent to buy coverage through the assigned-risk pool.3 They can also call the