Minnesota Workers' Comp Insurance Renewal
The insurance contractors with employees must carry - and keep current - to stay licensed and bid work.
- Renewal cycle
- Annual policy (renews with your insurer)
- Issuing authority
- Minnesota Dept. of Labor & Industry - Workers’ Compensation
Last reviewed 2026-05-24. Fees and dates change - confirm with the issuing authority before relying on them.
Who needs workers' comp insurance?
Most contractors with employees are required to carry workers’ compensation insurance, and many states tie it directly to your contractor license. Some states require it even for certain license types with no employees.
General contractors are also commonly expected to confirm that their subcontractors carry it.
Minnesota specifics
Minnesota has no minimum-employee threshold - essentially every employer must carry workers’ compensation, so even one part-time employee generally requires coverage (or approved self-insurance).
Why a lapse hurts
A lapsed workers’ comp certificate is one of the most expensive gaps a contractor can have. States impose steep penalties for going without required coverage, and a worker injured during a lapse can expose you personally.
A lapse can also suspend your contractor license and knock you out of bids that require proof of coverage.
How renewal works
Workers’ comp is an insurance policy, so it renews annually with your carrier. Keep the certificate of insurance (COI) on file with the licensing board and your clients current at all times.
Track the policy expiration the same way you track your license, and line up renewal with your carrier well before it lapses.
Never miss this renewal again
Add your workers' comp insurance and every other permit to Renovo and get automatic reminders before each one expires. Free for one business.
Frequently asked questions
Do I need workers’ comp insurance as a contractor in Minnesota?
Most contractors with employees must carry workers’ compensation, and many states tie it to your contractor license; some require it even without employees. Confirm the rule for Minnesota.
What happens if my workers’ comp lapses in Minnesota?
A lapse can bring state penalties, suspend your contractor license, and leave you personally exposed if a worker is injured. Keep the policy and your certificate of insurance current.
How often does workers’ comp renew?
Workers’ comp is an annual insurance policy that renews with your carrier, so put its expiration on the same tracker as your license and bond.
How can I keep track of all my Minnesota contracting business license renewals?
List every license and permit with its expiration date in one place and set reminders ahead of each deadline. Renovo is a free tool for this: add your workers' comp insurance and other documents, and it sends automatic reminders before they expire.
Sources
This page is general information, not legal advice. License rules, fees, and deadlines vary by state and locality and change over time - always confirm current requirements with the issuing authority before relying on them.