The top-rated workers' compensation insurance agent in St Cloud, Minnesota is The Lyle Group: Allstate Insurance, rated 4.8 stars across 193 reviews. Other highly rated options include Hess Partners Insurance Agency, Michael Brower Agency, Inc. American Family Insurance, Advantage 1 Insurance. This directory lists 16 workers' compensation insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Lyle Group: Allstate Insurance | 30 15th Ave S | (320) 253-4994 |
| 2 | Hess Partners Insurance Agency | 31 33rd Ave N | (320) 255-0417 |
| 3 | Michael Brower Agency, Inc. American Family Insurance | 1727 W St Germain St | (320) 252-5151 |
| 4 | Advantage 1 Insurance | 3801 3rd St N | (320) 252-6650 |
| 5 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 6 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
| 7 | Lamphere Insurance Group, LLC | 606 25th Ave S Ste. 204 | (320) 640-0633 |
| 8 | Hess Insurance Agency LLC | 2233 Roosevelt Rd #4 | (320) 251-1515 |
| 9 | Federated Insurance Co | 2700 1st St N #215 | (320) 314-3964 |
| 10 | Gasperlin Insurance Agency | 2789 Clearwater Rd #C | (320) 252-6800 |
The Lyle Group: Allstate Insurance serves the St. Cloud, MN, metro area and surrounding counties as a workers' compensation insurance agent. The company guides local businesses through the complexities of securing coverage for work-related injuries and illnesses. It provides access to policies that meet state regulations and help protect employers from financial liability. Specific services handled in this area include helping employers choose appropriate coverage levels and managing claim filing procedures.
Hess Partners Insurance Agency provides workers’ compensation insurance solutions for businesses in the St Cloud area, offering professional guidance on policy selection to meet regulatory requirements. Its service approach includes active support with claims management and periodic policy reviews to help maintain appropriate coverage levels as circumstances change. The agency assists a variety of commercial properties, including single-family homes, apartments, retail, and restaurants.
In St Cloud, MN, Michael Brower Agency, Inc. American Family Insurance offers both one-time policy setup and recurring service for workers’ compensation coverage. This agency helps local businesses secure wage replacement and medical benefits for employees injured on the job. Coverage protects against lost income and healthcare costs linked to workplace incidents. Service under a recurring policy includes ongoing policy management, whereas one-time setup addresses a single coverage need. These services run exclusively on a scheduled basis to ensure consistent compliance with renewal requirements.
Advantage 1 Insurance serves St Cloud and the surrounding central Minnesota communities as a workers’ compensation insurance agent. It handles the procurement and management of workers’ compensation coverage for local businesses. For each client, it assesses specific workplace risks and payroll structures. It identifies appropriate policies from multiple carriers to meet statutory requirements. To complete a typical job, it evaluates a business’s operations and claims history, then presents coverage options that balance cost with adequate employee protection.
Rock City Insurance specializes in securing workers' compensation coverage for businesses in the St Cloud area, tailoring policies to meet specific industry risks and regulatory requirements. It also services general insurance needs, helping local employers navigate the complexities of liability protection and employee coverage. The agency assists with premium audits and safety program improvements to control long-term costs. During periods of high seasonal hiring, such as agricultural harvest or winter construction, it helps businesses adjust their coverage to accommodate temporary workers and fluctuating payroll.
Moe Janssen Schee Agency: Allstate Insurance serves local businesses, property managers, and self-employed individuals in the St Cloud area by providing workers’ compensation insurance. These policies help cover medical costs and lost wages for employees injured on the job. The agency assists clients in understanding coverage requirements and selecting appropriate protection to meet state regulations. It helps ensure workplaces remain compliant while managing financial risk. Their services also extend to surrounding communities in central Minnesota, including nearby Sartell.
Lamphere Insurance Group, LLC works with businesses in St. Cloud to provide workers' compensation coverage that helps manage the costs and risks associated with workplace injuries. The agency typically extends its services to include loss control guidance and claims advocacy for policyholders. Companies with offices, warehouses, or food service operations can receive tailored insurance solutions that address the specific liability exposures common within each of those commercial sectors.
Hess Insurance Agency LLC serves residential clients in St Cloud, MN with workers’ compensation insurance coverage. Commercial policies are also available for local small businesses seeking protection for workplace injuries. The agency assists employers across the region in evaluating their coverage needs and filing claims when necessary. After an initial placement, they provide documentation and answer billing questions. Follow up occurs between regular policy periods to review any changes in operations or headcount.
Federated Insurance Co is an independent workers' compensation insurance agent based in St Cloud, MN. It helps Minnesota businesses manage occupational injury risks and navigate state-specific claims compliance. The agency connects local companies with coverage plans designed to protect employees and control premium costs. It also advises on safety protocols to reduce workplace accidents and related liabilities. For added protection, the agency offers employers access to specialized return-to-work program support services.
What Does a a Workers' Compensation Insurance Agent in St Cloud Cost?
Workers compensation insurance costs in Minnesota typically range from 0.50 to 2.50 dollars per 100 dollars of payroll, depending on the job class and risk level. For a small St Cloud business with 100,000 dollars in payroll, annual premiums might be 500 to 2,500 dollars. Rates are set by the Minnesota Department of Commerce and can change yearly. This is general information and not insurance advice.
About workers' compensation insurance agents in St Cloud
Workers compensation insurance is required for most employers in Minnesota. A local agent in St Cloud can help you understand state-specific rules like the Minnesota Workers Compensation Act. They assist with policy selection, payroll classification, and claims management to keep your business compliant.
Frequently Asked Questions
Do I need workers compensation insurance in St Cloud Minnesota?
Yes, Minnesota law requires most employers with one or more employees to carry workers compensation insurance. This includes part-time and seasonal workers. Failure to comply can result in fines and stop-work orders.
How does a workers compensation insurance agent help my St Cloud business?
An agent reviews your business operations to determine correct classification codes and coverage limits. They also help you file claims and manage premium audits. This reduces your risk of penalties and ensures proper employee protection.
What factors affect workers compensation insurance costs in Minnesota?
Costs depend on your industry classification, payroll size, and claims history. Minnesota uses a competitive rating system, so rates vary by insurer. An agent can compare quotes to find a policy that fits your budget.
Workers' Compensation Insurance Agents in Other Minnesota Cities
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