Workers' Compensation Insurance

Protecting Your Business and Employees With MBA Insurance Services’ Worker’s Compensation Insurance Solutions

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Get the Workers' Compensation Insurance You Need

Accidents can happen in any workplace, regardless of how safe or low-risk the environment may seem. That’s why workers’ compensation insurance is not just a legal requirement in most states; it’s a crucial part of responsible business ownership. At MBA Insurance Services, we help businesses throughout Minnesota and Wisconsin find the right workers’ compensation coverage to protect both their employees and their bottom line.

Why Workers’ Compensation Insurance Is Essential

Workers’ compensation provides financial protection for employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, rehabilitation services, and in some tragic cases, death benefits. But it also protects your business from potentially devastating lawsuits.

Whether you run a busy construction company, a retail store, or a professional office, having workers’ compensation coverage ensures you can take care of your team while meeting state legal requirements.

What Does Workers’ Compensation Cover?

A well-designed workers’ compensation policy helps cover the costs associated with:

Medical Expenses

It covers emergency room visits, doctor appointments, physical therapy, surgeries, medications, and any other necessary treatments related to workplace injury or illness.

Lost Wages

If an employee must miss work due to their injury, workers’ compensation helps replace a portion of their income, so they can focus on recovery without financial hardship.

Rehabilitation Services

This includes physical therapy, occupational therapy, and other rehabilitation treatments that help the injured employee return to work.

Disability Benefits

Workers’ compensation provides compensation for temporary or permanent disability, whether partial or total, depending on the severity of the injury.

Death Benefits

In the unfortunate event of a fatal accident, this coverage helps the employee’s family with funeral costs and financial support.

Who Needs Workers’ Compensation Insurance?

Most businesses that employ workers, whether full-time, part-time, seasonal, or temporary, are legally required to carry workers’ compensation insurance. The specifics vary by state, but in general, if you have employees on payroll, you need coverage.

We provide policies for a wide variety of industries, including:

  • Construction and trades (HVAC, plumbing, electrical)
  • Manufacturing and warehousing
  • Restaurants and hospitality
  • Retail and commercial services
  • Health and wellness providers
  • Nonprofits and educational institutions

 

Even low-risk office environments can face injuries like slips, trips, or repetitive strain, making workers’ compensation an essential policy for every business.

Customized Workers’ Compensation for Your Business

At MBA Insurance Services, we don’t believe in one-size-fits-all policies. We take the time to understand your industry, your team, and your risk exposures so we can tailor your workers’ compensation plan accordingly.

Our services include:

  • Risk evaluation and classification review
  • Assistance with payroll audits
  • Claims handling support
  • Help with return-to-work programs
  • Guidance on OSHA compliance and workplace safety

 

We partner with top-rated carriers that offer flexible, competitive options, whether you’re a startup with your first hire or a growing company with dozens of employees.

Benefits of Partnering With MBA Insurance Services

When you choose MBA Insurance Services for your workers’ compensation needs, you’re getting more than just an insurance policy; you’re gaining a trusted advisor. Our agency is independently owned, locally operated, and deeply committed to the success of our clients and communities.

Here’s what sets us apart:

  • Local agents in Red Wing, Lake City, Lutsen, and Ellsworth
  • Real-person support with no call center frustration
  • In-depth knowledge of Minnesota and Wisconsin workers’ comp laws
  • Personalized attention and proactive service
  • Ongoing policy reviews to keep your coverage current

 

We also understand that workplace safety is key to managing your premium costs. That’s why we work with businesses to identify risk reduction strategies and implement safer practices.

What Happens If You Don’t Have Workers’ Compensation?

Failing to carry workers’ compensation insurance can have serious consequences, including:

 

  • Costly fines and penalties
  • Exposure to employee lawsuits
  • Reputational damage
  • Business shutdown orders in some states

 

Having the proper coverage is not only a legal obligation, it’s a sign that you value your employees and are committed to protecting their wellbeing.

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Serving Businesses Across Minnesota and Wisconsin

With four offices across the region, MBA Insurance Services is proud to support small and mid-sized businesses in a wide range of industries. From a local electrician hiring their first apprentice to a multi-location retail operation, we bring the same level of care, insight, and commitment to every client.

We regularly serve:

  • General contractors
  • Healthcare providers
  • Manufacturers and fabricators
  • Food and beverage businesses
  • Property management companies

 

No matter your field, our goal is to keep your workers protected and your business running smoothly.

Get a Quote for Workers’ Compensation Today

Protect your business and your employees with comprehensive workers’ compensation coverage from MBA Insurance Services. We’ll help you navigate the requirements, reduce your risks, and ensure your team is covered when it matters most.

Call at 651-388-7128 or visit one of our four convenient locations or request a quote online. Let MBA Insurance Services be your partner in workplace safety and employee protection.