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. |
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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. |
Experience Rating
Experience ratings are a projection of future losses using the employer’s past claims and loss history. Your company experience rating directly impacts the amount of premium you will be pay for workers comp coverage. While the rate classification system provides for the distribution of premium to individual industries and exposures, WSI offers an experience rating program to further focus premium load within a given industry. Generally, employers with a good loss history are rewarded with premium discounts. Employers with a poor loss history are charged premium above the manual rates.
Beginning with an employer's 5th year of operating a business in North Dakota, an employer may be experience rated. A business must have a minimum aggregate premium of $15,000 over the prior 3-year experience-rating period in order to receive a rating factor. Surcharges have no limits. Experience ratings directly apply as a credit or a debit to manual state rates.
Learn More about experience modification factors.
Workers Comp for Small Business Owners
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State Resources for North Dakota
Workforce Safety & Insurance
1600 East Century Ave Ste 1
PO Box 5585
Bismarck, MD 58506-5585
800-777-5033
WSI
North Dakota Department Of Insurance
600 East Boulevard Avenue
Bismarck, ND 58505-0320
800-247-0560
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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Work Comp: North Dakota | ND Programs| ND Rates |
ND Forms | ND Info | ND Quotes
Start your quote online or call us at 888-611-7467
