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The Minnesota Workers' Compensation Assigned Risk Plan (MWCARP) is the source of workers' compensation and employers' liability coverage for Minnesota employers who have been unable to secure other coverage through the voluntary market. The MWCARP was created by the State Legislature to ensure that all Minnesota employers are able to obtain workers' compensation coverage as required by law.
How to apply for Minnesota Assigned Risk Plan coverage online:  
1 Register to use the Online Assigned Risk (OAR) website
2 Create a new application. Complete all sections.
3 Submit the application. The MWCIA will review the application.
4 Receive email notification. The MWCIA will send email requesting payment.
5 Make payment. Electronic payment made by Visa, Master Card, or electronic check is required within two business days.
6 Receive confirmation email: Coverage will become effective 12:01 am the day after the application was submitted or at 12:01 am on the future date requested.
Agent Checks
Payment submitted with an application should be made by the insured to the Assigned Risk Plan.  If payment is made by an agent, the agent understands that it will be solely responsible for reimbursement from the insured, and will have no right to cancel the policy for nonpayment by the insured, unless cancellation is agreed to by the insured.  All premium refunds are issued to the insured. 
 

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