Coverage for Workers’ Compensation

Minnesota’s workers’ compensation system represents a compromise between the interests of the employer and the employee: The law provides the exclusive remedy for work-related injuries and limits the amount of compensation. In exchange, liability is imposed regardless of fault, assumption of the risk or if the injury was the responsibility of fellow employees.

MCIT workers’ compensation coverage pays for all benefits required of a member by the Minnesota Workers’ Compensation Act caused by an accident or occupational loss while acting within the course and scope of employment. Limits of coverage comply with Minnesota Statutes, Chapter 176 requirements.

Volunteers

For members that have law enforcement and/or emergency management volunteers (per Minnesota Statutes, Sections 176.011 and 12.03), MCIT’s workers’ compensation coverage extends to cover those volunteers engaged in both training and active duty if registered and under the direction and control of the member.

Employer’s Liability Coverage

Employer’s liability coverage pays all nonworkers’ compensation sums a member is legally obligated to pay as damages for bodily injury to employees caused by accidents or occupational disease and arising out of and in the course and scope of employment by the member. Limits apply per the MCIT Coverage Document.

Resources

• 2017 MCIT Coverage Review booklet: Presents key areas of MCIT coverage in an easy to understand format, including workers’ compensation and employer’s liability.
• View 2017 MCIT Coverage Review: Includes a discussion of MCIT workers’ compensation and employer’s liability coverages.
• Risk management consultant can answer questions and explain coverage.