Who is responsible for purchasing workers' compensation insurance in Minnesota?

In Minnesota, the responsibility for purchasing workers' compensation insurance rests with employers. This requirement is part of the framework designed to ensure that employees are protected in the event of work-related injuries or illnesses. Employers must obtain coverage to help cover the costs associated with benefits that employees may claim, such as medical expenses and wage loss due to injuries sustained while performing job-related duties.

Employers are mandated to have this insurance to support the state's workers' compensation system, which aims to provide necessary benefits to injured workers without the need for litigation. This system is beneficial in creating a more straightforward process for claims and treatment for employees, while also providing financial protection for employers.

The other groups mentioned, such as employees, healthcare providers, or the state government, play important roles in the workers' compensation ecosystem, but they do not have the same obligation to purchase insurance. Employees benefit from the coverage, healthcare providers deliver services under it, and the state oversees the program and ensures compliance, but the onus of insurance procurement falls specifically on employers.