Agent

We recommend:

• Internet Explorer 11 or higher
• Microsoft Edge 14 or higher
• Chrome 52 or higher
• Firefox 36 or higher
• Safari 9 or higher

Refer to MN statue 176.041, Excluded Employments; Application, Exceptions, Election of Coverage, Subds 3. and 4. For further clarification or interpretation, please contact the MN Department of Labor and Industry (651 284-5032 or 800 342-5354).

1. A risk may be eligible to request that the Waiver of Our Right To Recover Endorsement - WC 00 03 13 (waiver of subrogation) be applied to a specific job only.
1. The risk must provide the Servicing Carrier with the following information:
    
   
   1. job location;
   2. a copy of the construction contract;
   3. duration of the job (including beginning date and ending date);
   4. a description of the work to be performed;
   5. the estimated payroll dollars expended on the job;
   6. the class code(s) of the employees on the job;
   7. and the number of employees on the job.
2. The inclusion of this endorsement will generate an additional premium charge of 5% of the payroll for the specific job times the appropriate classification rate(s), divided by 100; subject to a minimum premium charge of $100.
3. Contact your servicing carrier for further information.

You can click here to access it on the MWCARP website.

Questions about Class Codes can be addressed by any member of our Underwriting staff by dialing (952) 897-1737 and selecting Option 1 (Underwriting). Or by using our online chat feature in the lower portion of your screen.

MWCIA stopped accepting hard copy ERM-14 forms effective 1/1/2022.  To complete an online ERM-14 please visit our ERM-14 (Ownership) landing page.

You classify the business of the employer within the state, not separate employments, occupations, or operations within the business. For specific codes, refer to the Classification section of the Minnesota Basic Manual or the Classification Search tool, both found on our website.

Full Time is more than 20 hours per week and Part Time is 20 hours or less per week.

Please send an email request to subscribe@mwcia.org with your name, email address, company name, address, phone number, and whether your company is a carrier, agent, or other (please identify what). When a circular or newsletter is published, you will receive an email notification with a link to the new publication.

(952) 897-6495

Refer to MN statue 176.041, Excluded Employments; Application, Exceptions, Election of Coverage, Subd 1.For further clarification or interpretation, please contact the MN Department of Labor and Industry (651) 284-5032 or (800) 342-5354.

A Certificate of Insurance can be obtained from the insurance company/carrier, upon request.

• 2021--$59,488 minimum and $237,952 maximum
• 2022--$64,064 minimum and $256,256 maximum
• 2023--$66,924 minimum and $267,696 maximum
• 2024--$69,524 minimum and $278,096 maximum
• 2025--$71,344 minimum and $285,376 maximum

Loss Runs can be obtained from the insurance company, upon request.

Federal Employer ID (FEIN) #'s may be obtained by contacting the IRS at 800-829-3676 or by visiting the Internal Revenue website: www.irs.gov

Any change of address should be reported to your insurance agent and company. The insurance company will, in turn, notify MWCIA.

• 2021-$343 per week or $17,836 minimum
• 2022-$370 per week or $19,240 minimum
• 2023-$386 per week or $20,072 minimum
• 2024-$401 per week or $20,852 minimum
• 2025-$412 per week or $21,424 minimum

Click here for information.

• 10/1/21-10/1/22 = $1,232
• 10/1/22-10/1/23 = $1,287
• 10/1/23-10/1/24 = $1,337
• 10/1/24-10/1/25 = $1,372

Charts that summarize the state of Minnesota's workers compensation market are located here.

We recommend:

• Internet Explorer 11 or higher
• Firefox 4.0 or higher
• Safari (any reasonably recent release)
• Chrome (any reasonably recent release)

Click here to be redirected to the MN Department of Labor and Industry

You can access the Web Experience Mod History circular and Frequently Asked Questions by clicking here.

1. 2021--$445,000
   
   
2. 2022--$461,000
   
   
3. 2023--$485,000
   
   
4. 2024--$245,000
   
   
5. 2025--$239,000

It is a credit or debit factor based on your business' loss and payroll history.

Effective 1/1/2025:  The insured must be in business at least 2 years and meet one of the following premium criteria:

• $14,500 unmodified premium in the 1st year of the experience rating period or,
• An average of $14,500 unmodified premium in the first 2 years of the experience rating period or, 
• If an insured has more than 2 years of experience, they must develop an average annual unmodified premium of $7,250 in the experience rating period.

Credit factors will decrease your premium and debit factors will increase your premium.

• .80 = 20% premium credit
• 1.20 = 20% premium debit

Elements of the Experience rating plan formula

• ACTUAL LOSS = Total value of claim including reserves.
• PRIMARY LOSS = Reduced amount of claim used in formula.
• EXPECTED LOSS = Amount of claim your business is expected to have based on your business type (class codes) and size (payroll).
• FORMULA FACTORS
  • EXPECTED LOSS RATE = Factor used to determine the amount of losses by class code expected by the formula.
  • D RATIO = Discounts the expected loss total to arrive at the expected primary loss.
  • WEIGHT FACTOR = Percentage of actual losses used in formula.
  • BALLAST FACTOR = Stabilizing element that limits modification fluctuation in the formula.