Workers Compensation Insurance | Central Insurance Services

Workers Compensation

Protect Your Employees and Your Business

Workers compensation insurance is required by law for most Minnesota and Wisconsin employers. It protects your employees if they're injured or become ill on the job — and it protects your business from costly lawsuits. As an independent agent, we shop multiple carriers to find you the right coverage at a competitive price.

Whether you run a construction crew, a retail shop, a manufacturing operation, or a family farm, workers comp is a non-negotiable part of doing business responsibly. We make sure your policy is properly structured to fit your industry and workforce.

What's Typically Covered

Medical expense coverage for work-related injuries
Lost wage replacement for injured employees
Rehabilitation and return-to-work support
Employer liability protection
Death benefits for surviving family members
Coverage for occupational diseases and illnesses

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Industries We Serve

Workers Comp for Every Type of Minnesota Business

From farms to factories to retail, we have experience placing workers comp for a wide range of industries.

Agriculture & Farm Workers

Farm workers face unique hazards — equipment accidents, livestock injuries, and chemical exposures. We understand agricultural workers comp and help farm operations get compliant coverage.

Construction

Construction is one of the highest-risk industries for workplace injuries. We place workers comp for contractors, subcontractors, and builders across Minnesota and Wisconsin.

Retail & Service Businesses

Slip-and-fall accidents, repetitive motion injuries, and customer service incidents make workers comp essential for retailers, restaurants, and service businesses of all sizes.

Manufacturing

Manufacturing environments carry elevated injury risk from machinery, repetitive tasks, and heavy materials. We help manufacturers maintain compliant, competitively priced coverage.

Common Questions

Workers Comp FAQs

Is workers compensation required in Minnesota?

Yes. Minnesota law requires virtually all employers with one or more employees to carry workers compensation insurance. Failure to carry required coverage can result in significant fines and personal liability. Wisconsin has similar requirements.

How is workers comp premium calculated?

Premium is primarily based on your payroll, the type of work your employees perform (classification codes), and your claims history (experience modification rate). Industries with higher injury risk carry higher rates.

What if I only have part-time or seasonal employees?

Part-time and seasonal employees generally still count toward your workers comp requirement. Premium is typically calculated based on actual payroll, so costs adjust with your workforce size. We'll help you understand exactly what's required for your situation.

Workers Compensation Insurance in Minnesota