1.1 A bill for an act
1.2 relating to workers' compensation insurance; establishing requirements for
1.3 certificates of insurance to prevent fraud; proposing coding for new law in
1.4 Minnesota Statutes, chapter 176.
1.5BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:
1.6 Section 1. [176.1781] WORKERS' COMPENSATION FRAUD PREVENTION;
1.7CERTIFICATES OF INSURANCE.
1.8 Subdivision 1.Definitions.(a) For purposes of this section, the following terms have
1.9the meanings given.
1.10 (b) "Certificate of insurance" means documentation that provides evidence of workers'
1.11compensation insurance coverage.
1.12 (c) "QR code" or "quick response code" means a machine-readable code consisting of
1.13an array of black and white squares, used to provide access to online information through
1.14the camera on a digital device such as a cell phone.
1.15 Subd. 2.Verification; requirements for employers.(a) Every certificate of insurance
1.16issued as proof of workers' compensation insurance coverage must include a scannable QR
1.17code that is capable of linking to the original certificate of insurance information, which
1.18includes but is not limited to verification of coverage and the expiration date of coverage
1.19that is contained in the department's workers' compensation insurance verification system.
1.20 (b) An employer obtaining a certificate of insurance for workers' compensation insurance
1.21must report to the commissioner:
1.22 (1) the number of employees being insured, by classification of employee; and
1Section 1.
25-03123 as introduced02/04/25 REVISOR SS/CH
SENATE
STATE OF MINNESOTA
S.F. No. 2256NINETY-FOURTH SESSION
(SENATE AUTHORS: OUMOU VERBETEN)
OFFICIAL STATUSD-PGDATE
Introduction and first reading03/06/2025
Referred to Labor 2.1 (2) the estimated payroll for the period of coverage on each policy.
2.2 Subd. 3.Requirements for insurers.(a) An insurer must track the number of certificates
2.3of insurance issued as evidence of coverage by the insurer's insurance broker. Data on the
2.4number of certificates of insurance issued must be reported to the insurer and to the
2.5department for tracking in the department's workers' compensation insurance verification
2.6system.
2.7 (b) An insurer must track information about employers who have been found to have
2.8committed workers' compensation premium fraud by the department or the Department of
2.9Commerce or have been found to have missed a renewal period audit. The information
2.10under this paragraph must also be maintained by the insurer in the Insurance Services Office
2.11system.
2.12 Subd. 4.Enforcement.The commissioner may enforce this section as provided under
2.13section 176.184.
2Section 1.
25-03123 as introduced02/04/25 REVISOR SS/CH