ND Workers Comp Information
Review rules and get information about North Dakota workers compensation insurance.
All North Dakota employers are required to buy workers comp coverage through North Dakota’s Workforce Safety & Insurance (WSI). If an employee becomes injured or was previously injured while on the job, WSI can help you understand your responsibilities as an employer, how to file a claim for workers’ compensation, and to return your employees to work as quickly and efficiently as possible after the injury occurs.
Coverage can be obtained directly from WSI. The online application is a timesaving way to apply for workers' compensation insurance coverage online. Employers may also download the ND Application, complete it, and either fax it to 701-328-3750 or mail it to directly to WSI. A WSI representative will call to review your application. WSI will calculate your premium based on the payroll estimate you have provided and mail you a billing statement.
Employers can also call WSI Customer Service and request help from a Policyholder Services Underwriter at 800-777-5033.
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About Workers Compensation in North Dakota
About ND State Fund
Workforce Safety & Insurance (WSI_ is the sole provider and administrator of the workers’ compensation system in North Dakota. The state fund was established in 1919. In addition to collecting premium payments from employers and processing claims ﬁled by North Dakota workers, WSI promotes employee safety by assisting employers in providing safe work environments. Beneﬁts of WSI coverage include payment of medical, wage replacement, rehabilitation, impairment, and death beneﬁts. General liability, health, and accident insurance are not alternatives for workers’ compensation insurance in ND.
North Dakota Contractors
If an employer's business includes construction or erection work, a division of payroll can be made for each separate and distinct type of construction or job functions when those functions are defined by a classification code. Separate records of payroll must be maintained and allocated to the use of each class code in connection with separate job or location. If contractors do not maintain separate payroll records, all payroll shall be assigned to the highest rate classification applicable to the business or operation.
ND Certificate of Premium
North Dakota sate law requires all employers to post a Certiﬁcate of Premium Payment along with the Fraud and Safety Hotline number, 1-800-243-3331, in a conspicuous place where employees will see the notice. This is required in order to inform employees of your compliance and providing them with the number they can use to report unsafe working conditions and actual or suspected workers’ compensation fraud. Employers generally receive their Certiﬁcate upon payment of workers' comp premium. The Certiﬁcate serves as your proof of insurance. Failure to comply with this statute may subject an employer to a penalty of $250.
Canceling Workers Comp Coverage
North Dakota law requires all state employers to carry coverage with WSI at any time you have any employees. Once WSI receives written notification of your request to cancel coverage, your policy will remain open in the event you rehire an employee. WSI will continue to mail payroll reports and billing statements. Requested payroll reports must be completed and returned to WSI regardless of whether or not you had any employees during this time period. Business owners who want to cancel their account at the time of policy renewal should indicate that on your payroll report. When cancelling coverage you must file a final payroll report and pay any premiums or other assessments due.
Business Owners and Family Coverage
Coverage for the owners, partners, or corporate officers of a business corporation, partnership, or limited liability company is optional in ND. An employer may elect to purchase optional coverage for themselves, their spouse, children younger than 22 years old. Work comp coverage is not required by law for owners. Coverage becomes effective upon WSI’s approval of a completed and signed optional coverage agreement. Coverage for an owner, partner, corporate officer, or spouse will be charged an annual premium based upon the workers compensation classification rate multiplied by the maximum taxable payroll cap. Coverage for the employer’s children younger than 22 years old is based upon the appropriate class rate multiplied by the actual wages paid to the child. Coverage for the employer’s children 22 years and older is mandatory and based upon the appropriate class rate multiplied by the actual wages paid up to the maximum taxable payroll cap.
Out of State Coverage
WSI currently has reciprocal agreements for employees working out-of-state with the following 7 states: Idaho, Montana, Oregon, South Dakota, Utah, Washington, and Wyoming. These reciprocal agreements allow your North Dakota employees to work in those states on a temporary basis without buying a workers’ compensation policy in that jurisdiction. If employees do work in other states, the employer will need to obtain insurance in that state or purchase a multi-state insurance policy.
The reciprocal agreements for each state vary and may include exclusions. These agreements must be requested by the employer and be approved before becoming effective. Employers need to contact WSI before assuming they have ND state coverage for their employees working in these seven states. WSI has jurisdiction over a claim arising under a reciprocal agreement.
Generally, an employer who does not ensure compliance with other states’ workers’ compensation requirements may be unaware that they would be considered uninsured in another state until an employee files a workers comp claim in another state. After an employee files the claim, an inquiry may be made as to the status of the employer’s workers' compensation coverage in the other state. If a North Dakota employer is deemed uninsured in that other state, the financial repercussions in premium and state penalties may be significant.
More Programs and Options
We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.
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Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
North Dakota Work Comp Information
Work Comp Effective Dates
North Dakota’s workers’ compensation rules require virtually all employers to purchase workers’ compensation insurance to cover their full-time, part-time, occasional, or seasonal employees prior to hiring any worker. Your workers' compensation coverage is effective upon receipt of a completed insurance application and approval from WSI Policyholder Services.
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