North Dakota workers' compensation rates lowest in the U.S.

Most monopolistic workers compensation systems have historically failed and the state has been forced to join NCCI and allow private insurance companies to compete within the state. North Dakota has proven to be an exception to this rule.

According to a recent report released by the Oregon Department of Consumer and Business Services, North Dakota was listed as the lowest rates on workers comp in the country. The report boasts North Dakota rates at 55% of the national median for 2024. State rates were a whopping 10% lower than the next two least expensive states,

We help North Dakota employers buy other states coverage since 2004. Shop your out of state workers' comp insurance with us.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

ND Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

North Dakota is one of four monopolistic states left in the United States. This means that employers are only allowed to purchase workers' compensation insurance directly from the state. It is not a competitive rating system and NCCI rules and manuals do not apply in North Dakota. We currently can't offer workers compensation coverage in North Dakota. Contact us If your business needs out-of-state workers compensation in order to do business across state lines.

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Private workers compensation insurance is not allowed in North Dakota. All in-state policies must be written Workforce Safety and Insurance. We are a national workers compensation insurance firm providing insurance throughout the United States.

State Resources for North Dakota

Workforce Safety & Insurance

1600 East Century Ave Ste 1
PO Box 5585
Bismarck, MD 58506-5585

North Dakota Department Of Insurance

600 East Boulevard Avenue
Bismarck, ND 58505-0320
ND Insurance Department

North Dakota does not utilize the National Council for Compensation Insurance (NCCI). The state maintains its own state fund that provides workers' compensation insurance to all employers in North Dakota.

Our agency helps employers find private insurance and guaranteed state fund workers' comp in states outside of North Dakota when employers need other states coverage or multi-state insurance.

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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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