Workers' compensation fraud prevention certificates of insurance establishment

This bill requires employers and insurers to use standardized certificates of insurance for workers' compensation coverage, including scannable QR codes that link directly to verification data in the state's system. Employers must report employee classifications and estimated payroll to the commissioner, while insurers must track issued certificates and flag employers with confirmed fraud or missed audits. The system aims to prevent fraud by ensuring certificates can be verified instantly and linking insurer data to the state's workers' compensation verification system. Enforcement aligns with existing provisions under Minnesota Statutes section 176.184. The bill directly affects employers purchasing workers' comp coverage and insurance providers issuing policies.