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North Dakota employers with any employee(s) are required by law to purchase workers' compensation insurance. This includes seasonal, occasional, part-time, and full-time employees.
Sole-Proprietors and Partners are automatically excluded from workers' compensation coverage, but they can elect to be covered on a policy. This includes spouses and children under 22 years of age. Requires ND coverage contract for inclusion.
Corporate Officers and LLC Members are also automatically excluded from work comp coverage, but they may elect to be included. Requires ND coverage contract for inclusion.
All companies with any full or part-time employees are required to purchase workers' compensation insurance in ND.
Sole-Proprietors and Partners who include themselves on workers' compensation coverage must use a payroll amount for rating their overall workers' compensation cost. Minimums and mximmums change each year.
Officers and LLC Members who are not excluded from coverage must also utilize a minimum payroll in order to calculate the cost of workers' comp insurance.
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Workers' compensation is a commercial insurance product categorized as Property & Casualty
insurance (P&C Insurance). Even though workers' comp is calculated using estimated payroll wages and class
codes, premium is still a separate business expense from the cost of payroll. North Dakota Employers may treat the cost
of coverage as an expense on their taxes.
Work comp rates for all job classification codes are always expressed as a percentage of $100 in
wages. An annual policy is always subject to an audit because it was based on estimated wages and not actual
Here is an example using two class codes with different estimated payroll for each class code:
In order to calculate the cost of the policy you only need to multiply each rate with its divided
payroll. It benefits employers to re-calculate their premium as their payroll becomes larger than originally
* Additional premium costs may also include an expenses constant, terrorism charges, catastrophe charges and other state surcharges such as a second injury fund or other state assessment fees.
Every state has their own laws to determine how employees must be covered and how they must be
classified for rating premium. A lot of states use state specific class codes and have different requirements for
who is obligated to carry workers' compensation insurance.
If you have employees that travel out of state for work, or they work in multiple states
throughout the year, you may need to buy a policy for each of the states where your employees are located and
working. In most cases, you can cover multiple states on one policy.
Workers' Compensation Insurance in North Dakota can
be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool,
or an alternate State Insurance Fund,
is available for businesses that are unable to find coverage from a private company. Our specialists help will
help you navigate your best options.
Policy premium is based on numerous factors including: class codes assigned to your business and
employees, estimated payroll, covered states, prior policies, owner experience and previous workers compensation
See North Dakota workers'
comp insurance laws
North Dakota workers' compensation insurance helps pay claim
expenses when an employee, or a covered sub-contractor, is injured while working for your business. It also shields your
business from other legal liabilities associated with an injured employee. Work comp coverage includes:
Workers' comp insurance pays for the medical expenses associated with claims or injured workers. The cost of
an ER visit, required surgeries and drug prescriptions are some of the covered expenses included under a policy. An
employee injured due to a slip and fall would be covered, for example. Coverage for medical benefits can also include longer term
expenses such as physical therapy or rehabilitation.
Employee Wages- Income Benefits
Most business owners can't afford to continue paying employees if they are unable to work while they are
injured. Workers' comp income benefits in North Dakota will replace most of your
employees missing income if they are away from work due to an injury or illness. For example, if a construction employee
broke his arm and could not perform the job for 8 weeks, the coverage would make payments to the employee to help replace
the lost wages.
Short-Term and Long-Term Disabilities
Sometimes an injury can cause a partial disability or a more permanent disability. Workers' compensation steps in to help pay the cost of ongoing medical bills and may even replace a portion of wages lost due to the disability. If an employee had a finger amputated due to a work related injury. The employee could be paid a sum (known as an Impairment Rating) for the loss of the finger for permanent disability as well as some temporary disability coverage while recuperating.
Some types of work environments can include occupational exposures that have unforeseen circumstances. A chemical mixing operation, for example, may expose employees to chemical irritants and cause harmful reactions that make them sick. A workers' comp policy would cover the cost of treating an illness caused while performing the job.
Nearly 50,000 deaths happen at work each year. Many of these are in the construction and trucking industries.
A workers' compensation policy is designed to cover the cost of these funerals and to provide death benefits to the employees family. State guidelines often determine the dollar amount of coverage.
Workers' compensation coverage is a No-Fault system designed to prevent costly employee lawsuits related to on-the-job-injuries. Many state provisions include Exclusive Remedy rules that protect covered businesses from these lawsuits in exchange for providing workers' comp coverage for their employees. Claims should be reported to a supervisor with 30 days. Employers should also report any claims or accidents to their insurance company within 30 days from notification.
Enjoy the benefits of our Pay As You Go Workers' Comp Options in
ND is a Monopolistic State
North Dakota is one of the four remaining monopolistic states. Nevada and West Virginia were the last two states to move from a monopolistic State Fund to an open market allowing private insurance companies. Workers' comp coverage can only be purchased through the North Dakota State Fund State Fund, Workforce Safety and Insurance (WSI). If you are an ND employer, or you are doing work in North Dakota, you will need to contact Workforce Safety and Insurance to buy workers' compensation insurance coverage:
Find Our of State Coverage
Our Agency can help North Dakota business owners purchase other state workers' comp coverage. If you are a North Dakota employer doing business outside of the state, or you have employees who live outside the state, please contact one of our Workmen's Comp Specialists at 888-611-7467 to find affordable a workers' compensation quotes for other states.
National Workers' Compensation
Contact a National Workers' Comp Specialists today to learn more about our national and multi-state workers' comp insurance options. Or start your quote online if your business needs coverage outside of North Dakota. Our agents are ready to help.
ND Workers' Comp Specialists
North Dakota has a unique provision for developing workers' compensation rates and manual premium for coverage. Workers' compensation premiums are assessed only on the first $35,600 of wages per employee. There is no additional premium for wages or salaries over $35,600.
ND Class Codes
Like other monopolistic states, North Dakota does not utilize NCCI classification codes like most states that allow private insurance carriers to compete. This often creates problems when doing business in other states. Employers can follow this link to view the most recent North Dakota Classification Manual.
Fast Workers' Comp Quotes
We make the process of getting workers' compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.
Compare Rates With More Carriers
We're a National Agency, and we have tons of carriers offering work comp in other states near North Dakota. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates and more credits when we request a quote.
THE RIGHT QUOTE MAKES A DIFFERENCE.
A BETTER WAY TO BUYWORKERS' COMPENSATION INSURANCE
Get more information about workers' compensation in North Dakota:
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