Out of State Workers' Compensation Programs

Find More Savings With One of Our Select Workers' Comp Packages.

A lot of North Dakota employers need a policy for other states coverage.

North Dakota employers often need workers compensation coverage when they hire employees out-of-state and when they send employees to work in other states.

The state of North Dakota currently has reciprocal agreements for workers compensation with seven surrounding states. These agreements allows ND employees to work in these other states on a temporary basis without buying other-states coverage. The states include Montana, Oregon, Idaho, South Dakota, Utah, and Wyoming. Coverage is not automatic and employers must request approval from WSI before working in any of these states.

We offer national and multi-state workers compensation program in all 46 non-monopolistic states throughout the United States. Contact us for a free quote today.

Our programs target businesses where we have the best opportunity to provide maximum savings. Often times, we've worked out special considerations for underwriting and pricing with some of our insurance partners. More policy discounts and credits may be applied.

Target Programs for Other State Workers Comp

Don't see your business or industry? Don't worry, we've still got you covered.

North Dakota Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.


We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers' Comp Insurance in North Dakota

Who Needs Coverage in North Dakota?

Workers compensation is required by law in North Dakota. All ND employers with one or more employee are required to purchase coverage exclusively from Workforce Safety and Insurance.

North Dakota exceptions for workers comp coverage include:

  1. Independent contractors who complete an Independent Contractor Verification Application via WSI
  2. Certain laborers related to farming, ranching, domestic workers, and religious worship
  3. Real estate brokers with written independent contractor agreements
  4. Children under 22 directly related to employer/owners
  5. Newspaper delivery when written independent contractor agreement
  6. Federal and railroad employees

Affordable workmans comp for business owners.

WHAT IF MY INDUSTRY IS NOT LISTED AS A TARGET?

We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
  • More than 50 top insurance companies quoting workers comp insurance.
  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance quote online or call us at 888-611-7467.
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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