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Good Evening
9:14:32 PM CDT
Friday, May 29, 2015

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Insurance Coverage

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

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 Limits & Rights of Subrogation

All Workforce Safety & Insurance (WSI) account holders are equally insured with worker's compensation coverage provided by WSI, a monopolistic state fund. Coverage is provided without limits other than the limits placed on individual benefits such as the maximum weekly disability benefit.

All accounts have an annual renewal date; however, coverage does not cease on that date, but rather continues without interruption until the account is closed. Only in the event of a significantly delinquent account does WSI issue a formal notice of an uninsured status. A certificate evidencing the account's good standing is issued annually.

  • WSI does not waive its rights of subrogation.
  • WSI does not allow additional insureds to be listed on the account.
  • WSI does not include General Liability coverage.

WSI, because it is a state agency, does not issue a policy. Rather, all provisions are stated in the form of State statute or administrative rules.

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