Eligibility for additional classes is determined on a class‑by‑class basis. MJUA is prohibited by statute from providing product liability coverage or environmental impairment coverage, and it generally cannot insure businesses conducted substantially outside Minnesota unless coverage is required by law. MJUA may also decline especially hazardous risks. Applying for MJUA coverage Before applying to MJUA, an applicant must make a good‑faith effort to obtain coverage from the voluntary market and be unable to secure it. Once an application is received, MJUA will determine whether the risk falls within a class for which it has been activated to provide coverage. New classes are activated by the Commissioner of the Minnesota Department of Commerce, with notices published in the State Register and an initial 180‑day activation period; public hearings may be held to gather input from affected businesses. The time required to issue a policy depends on factors such as: • Whether an appropriate policy form has already been approved for that class. • Whether a rate schedule has been adopted. • Whether the class or applicant requires committee or Board review. • Whether the required “assigned market” procedures (including any Minnesota Market Assistance Plan processes) have been satisfied and no acceptable quote is available. • Whether the applicant’s existing coverage has expired and no other market can be found. For more information on MJUA eligibility, classes currently activated, and application procedures, businesses should contact the Minnesota Joint Underwriting Association or the Minnesota Department of Commerce. Contact information appears in the Resource Directory section of this Guide.
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