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Protection for Employees & Employers

Workers’ Compensation Insurance

No matter the size of your company, keeping employees safe is essential. Workers’ compensation insurance helps protect both your team and your business when workplace injuries or illnesses occur. Johannes Agency provides tailored workers’ compensation coverage for businesses—from local shops and contractors to manufacturers and agribusiness operations—ensuring compliance and peace of mind.

What’s Included in Workers’ Compensation Coverage

Workers’ compensation insurance provides medical and wage benefits to employees hurt on the job while protecting employers from costly lawsuits. Typical coverages include:

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Medical Expenses

Covers doctor visits, hospital stays, surgeries, and rehabilitation costs.

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Employer’s Liability Coverage

Protects your business from lawsuits related to workplace injuries.

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Permanent Disability Benefits

Financial support for employees with lasting impairments.

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Lost Wages

Provides partial income replacement while an employee recovers.

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Death Benefits

Provides support to families in the event of a work-related fatality.

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Return-to-Work Programs

Helps employers support injured workers’ transition back to the job.

Industries That Rely on Workers’ Compensation

Johannes Agency works with a wide range of Minnesota employers, helping them build coverage that meets state requirements and fits their operations, including:

  • Construction & Contracting

    Protecting crews working on job sites across West Central Minnesota.

  • Manufacturing & Industrial Operations

    Ensuring coverage for production staff and equipment operators.

  • Farms & Agribusinesses

    Covering seasonal and full-time agricultural workers.

  • Retail & Service Businesses

    From small shops to multi-location operations.

  • Healthcare & Nonprofits

    Helping protect employees serving others.

Workers’ Compensation Insurance FAQs

Here are answers to common questions Minnesota employers ask about workers’ compensation insurance:

  • What happens if an employee is injured on the job?

    Workers’ compensation pays for medical care, rehabilitation, and partial lost wages. It also protects your business from potential lawsuits related to the injury.

  • Does this coverage apply to part-time or seasonal workers?

    Yes. In most cases, workers’ compensation covers all employees—full-time, part-time, or seasonal. Farmers and agribusinesses often include coverage for temporary or family labor as well.

  • Can I choose my own doctor for a workplace injury?

    You still need general liability and possibly D&O coverage. Even if you rent office space or operate virtually, your organization can be sued or held liable for damages.

  • What if I hire subcontractors or independent contractors?

    You may still be liable if a contractor without their own coverage is injured while working for you. It’s always best to verify that subcontractors carry their own workers’ compensation policy.