Workers' Compensation, for the day someone gets hurt.

Workers' compensation is required coverage in North Dakota and Minnesota for virtually every business with employees.

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Workers' Compensation

It pays for medical treatment, lost wages, and rehabilitation when an employee is injured on the job, and protects your business from the legal liability that follows. Kain Carlson reviews your class codes, payroll basis, and experience modifiers to make sure you're paying the right premium for your actual risk.

01, Medical Benefits

Medical Benefits

Medical treatment, rehabilitation, and ongoing care for injured workers, paid by the policy, not by the employee.

Learn More →02, Wage Replacement

Wage Replacement

Lost wages while the employee recovers and returns to work, replacing a portion of their income during the recovery period.

Learn More →03, Employer Liability

Employer Liability

Protection against lawsuits arising from workplace injuries, the Part B coverage that protects your business when an employee pursues legal action.

Learn More →

Workers' Comp in ND & MN

North Dakota and Minnesota have different workers' compensation systems. In North Dakota the state fund, Workforce Safety & Insurance (WSI), is the only place to buy it. In Minnesota, private insurers write it. Kain Carlson works with businesses in both states on how those differences affect them. Workers' comp covers injuries and illnesses that arise from work, and group health covers the rest, so it helps to know where one ends and the other begins.

ND State Fund Requirements
North Dakota law, with limited exceptions, requires employers to carry workers' comp, and it can be bought only through WSI (Workforce Safety & Insurance). Kain Carlson helps ND businesses with their WSI account and class codes.
Minnesota
In Minnesota, workers' compensation is written by private insurers rather than a state fund.
Claims History and Premium
Your claims history can affect what you pay for workers' compensation. In North Dakota, WSI applies experience rating to employers that qualify. In Minnesota it is part of how insurers rate an employer. Kain Carlson goes through your claims history with you each year.
Class Code Accuracy
Workers' comp premiums are driven by class codes assigned to your employees. A misclassified employee means the wrong premium, in either direction, so how your employees are classified is part of any workers' comp review.
Get Your Workers' Comp Reviewed
Licensed in ND & MN · Based in Fargo
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