North Dakota Workers Comp Rates

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 47% of the national median. State rates were a whopping 10% lower than the next two least expensive states, Indiana and Arkansas.

We been helping North Dakota employers buy other states coverage online since 2004. Get your next workers comp quote online with us.

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ND Rates for Select Work Comp Class Codes

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 ND. 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.

Class Code Low Rate High Rate

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 coverage in states outside of North Dakota when employers need other states coverage or multi-state insurance.

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Get a free insurance comparison today and see if your business qualifies for lower rates.


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We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.
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Workers Comp for Small Business Owners

No money down workers compensation.
$0 Money Down
We're a national leader in Pay As You Go Workers Compensation. We've developed programs designed to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.
Better payment options for workers compensation insurance coverage.
Better Payment Options
We've negotiated special terms with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.
Trusted Choice- Independent Insurance Agents Association.
Help with hard to place workers compensation insurance.
Tough Class Codes
We can offer a quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.
Easy work comp quote.
Faster Quotes
Our partners and underwriters understand that we need to turn quotes quickly so our customers can purchase coverage when they need it. We often turn quotes in less than 24 hours.
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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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