Small-business cover in Minnesota.
Workers’ comp threshold in Minnesota: Required for all employers with one or more employees (no minimum employee count threshold under Minn. Stat. §176.181)[S].
Updated 2026-05-16 · Beaconcover editorialThe short answer: In Minnesota, workers' compensation is required for all employers with one or more employees (no minimum employee count threshold under Minn. Stat. §176.181). Most clients and licenses also ask for general liability before you can take a job.
What does Minnesota require?
Required for all employers with one or more employees (no minimum employee count threshold under Minn. Stat. §176.181)[C]
Minnesota Workers' Compensation Law (Minn. Stat. §176.181) mandates coverage with no minimum employee threshold. Even a single part-time employee triggers the coverage requirement. Residential building contractors require state licensure. Regulated by the Minnesota Department of Labor and Industry.
What licensing and bonding does Minnesota require?
- Residential building contractor/remodeler licensing applies to many trades
- Broad first-employee coverage requirement