When is an insurer considered to have received notice of a claim under a standard Workers' Compensation policy?

An insurer is considered to have received notice of a claim when the employer has notice of the claim. This is because, under Minnesota Workers' Compensation law, the employer plays a crucial role in the claims process. Employers are responsible for reporting workplace injuries and claims to their insurance providers. Thus, once the employer becomes aware of an incident or injury that may lead to a claim, this information is effectively deemed to be known by the insurer.

This approach underscores the important relationship between employers and insurers in managing workers' compensation claims. When an employer is informed about a potential claim, it triggers the obligation for the employer to notify the insurer, ensuring that injured employees receive timely benefits and that insurers can assess and handle the claims appropriately.