Requirements for certificates of insurance established to prevent fraud.

HF 1696 requires workers' compensation insurance certificates to include a scannable QR code linking directly to the state's verification system, allowing instant checks of coverage status and expiration dates. It mandates employers to report employee classifications and estimated payroll to the state commissioner when obtaining coverage, and insurers must track certificate issuance and flag employers with fraud history or missed audits. The bill directly affects Minnesota employers needing workers' comp coverage and insurance companies issuing certificates. Key mechanisms include digital verification via QR codes and mandatory data reporting to prevent fraudulent certificates. This creates a standardized, transparent system for verifying coverage without changing benefit amounts or eligibility rules.