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Minnesota
What the Minnesota authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Is there an employee threshold before Minnesota requires coverage?
The Minnesota Department of Labor and Industry states that there is no minimum number of employees an employer must have before insurance is required. The Department publishes the exceptions in statute rather than as a headcount, so the absence of a threshold is the rule rather than a simplification of one.
“There is no minimum number of employees an employer must have before insurance is required”
Minnesota Department of Labor and Industry ↗confirmed 2026-08-26
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.