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.

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.
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.

View 2016 North Dakota Rates

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.

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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

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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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$0 Money Down		Better Payment Options
We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.		We've negotiated the best deals 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.


Tough Class Codes		Faster Insurance Quotes
We offer an affordable 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.		Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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North Dakota Workers Comp Rates

Find the Lowest Rates in the Country

North Dakota Workers Comp Rates

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

ND Rates for Select Work Comp Class Codes

Experience Rating

Get North Dakota Workers Compensation Quotes

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