Workers Compensation Insurance
Workers Compensation Insurance Basics
Workers compensation insurance protects employees who are injured or are made ill on the job. Unlike health insurance, which covers medical expenses regardless of fault, workers comp focuses on covering medical costs, lost wages, and rehabilitation expenses for job-related injuries or illnesses. In Minnesota, work comp is required by law for any business with employees. At Guardian Insurance Services MN, we can help you decide on coverage and gather quotes from over 35 top insurance companies. Contact us or request quotes to get started now.
Workers Compensation Insurance Coverage
Medical Benefits
Covers medical services, surgeries, medications, physical therapy, and other treatments for employees that are injured at work.
Lost Wages
Helps pay lost wages while an employee is unable to work after a work-related incident.
Death Benefits
Provides financial support to an employee’s family if the employee dies as a result of a work-related incident.
Owner Coverage
Can optionally provide coverage for the owner of the business.
If-Any Coverage
Coverage for a business that does not currently have employees but is required by contract to carry workers compensation insurance.
And more
There are even more coverage options that may be necessary, depending on your needs.
Businesses We Insure
HVAC
Electricians
Plumbers
Repair shops
Auto dealers
Truckers / Haulers
Contractors
Excavators
Manufacturers
Lawn care
Landscapers
And more