For School Administrators

United States only

Workers' Compensation Insurance

We are NOT lawyers but here are comments from people who are

Check with your state agency and a knowledgeable local attorney

The definition: a form of insurance providing wage replacement and medical benefits to

employees injured in the course of employment in exchange for mandatory relinquishment

of the employee's right to sue their employer for the tort of negligence. Very complicated.

Minnesota  - All employers are required to provide workers’ compensation insurance coverage to all employees, including non-US citizens and minors. Sole proprietors are excluded from compulsory coverage, but may choose to be included in their policy. Purchased from a commercial provider. Approved businesses may self-insure - see Minnesota Department of Labor and Industry

Mississippi - All employers with five regular employees must provide workers’ compensation insurance coverage. Sole proprietors don’t count toward the employee total if they choose to not cover themselves. Employers with less than five employees are not required to have coverage but may be choose to provide it. Independent contractors are usually excluded from coverage but protection is given to employees of subcontractors. Purchased from a commercial provider. Approved businesses may self-insure - see Mississippi Workers Compensation Commission

Missouri - Employers with five or more employees must carry workers’ compensation coverage. Sole proprietors and partners are excluded from requiring coverage, but can choose to be covered. Purchased from a commercial provider. Approved businesses may self-insure - see Missouri Department of Labor

Montana - All employers must carry workers’ compensation insurance coverage for all employees. Sole proprietors can exclude themselves from coverage, but may choose to be included. Contractors don’t have to be covered under a business’ workers’ compensation policy, but must provide proof that they are a certified independent contractor. Purchased from a commercial provider or Montana’s state-administered fund. Approved businesses may self-insure - see Montana Department of Labor and Industry

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