Insurance Coverage

The role of WSI	Starting a new business in ND	Who needs coverage
Definition of employer	Obtaining coverage	When your ND workers work outside ND
Coverage for volunteers	Coverage for staffing services	Optional coverage
Custom operations	If you have applied for a contractor's license	Independent contractor
Subcontractor arrangements	Changing or canceling coverage	Premium and payroll
Experience rating	Deductible program	Out of State Employers
Retrospective rating plan	Premium audits	Requesting a quote
Proof of Insurance	Coverage Limits & Rights of Subrogation

If you have a question or concern regarding insurance coverage, or if you are an existing policyholder, feel free to contact our Employer Services Department via email at wsiemployerservices@nd.gov

Coverage for Staffing Services

A staffing service, for purposes of North Dakota Workers' Compensation Law, includes Professional Employer Organizations, Employee Leasing Companies, Staffing Organizations, and any other business entity which provides or leases employees or maintains a co-employment relationship with employers in North Dakota. North Dakota does not permit master policies, but rather maintains a multiple coordinated policy approach.

The reporting requirements for these entities are quite detailed, so please contact Employer Services for more information at (701) 328-3800 or 1-800-777-5033.