Purchasing Workers Comp Insurance in North Dakota

2020 North Dakota Coverage Information

    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.

2020 Payroll Limits & Owner Exclusion Requirments

    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)

    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)

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to 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 State fund coverage, is available for employers who are unable to find coverage from a private company. WorkersCompensationShop.com can 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 claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in North Dakota.

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:

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.


North Dakota is a Monopolistic State

North Dakota Rating

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).

North Dakota 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.

Quick 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.

Shop Over 35 National 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.


Did you know that the cost of a workers comp policy in North Dakota can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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