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North Dakota Workers Compensation

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Questions? Call 888-611-7467 for a North Dakota Workers Compensation Shop Specialist

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North Dakota is a Monopolistic State

The state of North Dakota is one of the four remaining monopolistic states left in the country. Nevada and West Virginia were last two states to move from a monopolistic State Fund to an open market system allowing competition from private insurance companies. This means workers' compensation insurance can only be purchased through the North Dakota State Fund State Fund, Workforce Safety and Insurance (WSI). If you are a North Dakota employer, or you are doing work in the state of North Dakota, you will need to contact Workforce Safety and Insurance in order to purchase workers' compensation insurance coverage:

Workforce Safety and Insurance
Phone: 1-800-777-5033

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Multi-State Workers' Compensation

Although our Agency can't help ND employers find workers comp coverage in the state, we often 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.

Contact a National Workers' Comp Specialists today to learn more about our other-state and multi-state workers comp insurance options or start your quote online if your business needs other state coverage outside of North Dakota.

Monopolistic Work Comp States

There are four remaining monopolistic states left in the U.S. These states have special legislation that does not permit private insurance companies to offer coverage and requires employers in that state to purchase their workers comp coverage though the state's designated workers compensation program or State Fund. Private insurance companies are not permitted to offer coverage in these four states.

North Dakota legislatures created the ND Workmen's Compensation Bureau in 1919. The intent was to create a state operated, no-fault, system for managing workers compensation claims. The name was later changed to Workplace Safety and Insurance. The agency is 100% employer financed by workmans comp insurance premiums. WSI is the sole provider and administrator of the North Dakota workers' compensation system.

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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 (as of Jan 1, 2016).

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.

Pay As You Go workers compensation quotes Quick Workers Comp Quotes Workers Compensation Companies in North Dakota Shop Over 35 National Carriers

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.

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.



Did you know that the cost of a workers comp policy in North Dakota can vary significantly between insurance company, underwriter, and insurance agency?

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Purchasing Workers Comp Insurance in North Dakota

2019 North Dakota Coverage Information

State workers compensation coverage requirements

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.

State workers compensation coverage requirements

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.

State workers compensation coverage requirements

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.

State workers compensation coverage requirements

All companies with any full or part-time employees are required to purchase workers compensation insurance in ND.

2019 Payroll Requirements for Owners

State workers compensation coverage requirements

Sole-Proprietors and Partners who include themselves on workers compensation coverage must use a payroll amount of $35,600 for rating purposes. (As of 01/01/2019)

State workers compensation coverage requirements

Officers and LLC Members who are not excluded from coverage must utilize a minimum payroll of $35,600 for the purpose of rating workers comp premium. (As of 01/01/2019)

North Dakota Workers Compensation Insurance Quotes

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Workers Compensation Agents Other States Coverage.

In today's business environment, it's not uncommon for employers to do work outside of their home state. Many employers who live on bordering states or work in multiple states often hire employees from other states. At Workers Compensation, we help North Dakota employers find their best deal on workers comp coverage in other states.

Give us a call today at 888-611-7467 or get started online. We've already helped hundreds of North Dakota employers buy more affordable coverage in other states.

North Dakota Agency License: 447052
National Producer Number: 5064979

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