Workers' Compensation Insurance

According to the Department of Labor and Industry, many organizations believe that as a nonprofit organization they are not required to carry workers' compensation insurance on their gambling employees. This belief is a common misconception.

Employers and employees defined
The Minnesota workers’ compensation law states that all employers are required to purchase workers’ compensation insurance or become self-insured.

• Employers are generally defined as those who hire others to perform services.
• Employees are generally defined as people hired to perform services for another.

Nonprofit organizations need workers' compensation insurance in most cases
The law requires a nonprofit organization to provide workers’ compensation coverage if it pays more than $1,000 in salary or wages in a year for all non-gambling and gambling employees, including part-time employees. (Minnesota Statutes, Sections 176.041, subdivision 1(16); and 176.181, subdivision 2)

Questions?

Contact the Customer Assistance unit at the Department of Labor and Industry regarding requirements for obtaining workers’ compensation insurance coverage. Their phone number is 1-800-342-5354 or 651-284-5005.

For more information on workers’ compensation, go to www.doli.state.mn.us