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
Earn a premium discount	Experience rating	Deductible program
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 Limits & Rights of Subrogation

All Workforce Safety & Insurance account holders are equally insured with worker's compensation coverage provided by Workforce Safety & Insurance, 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 Workforce Safety & Insurance issue a formal notice of an uninsured status. A certificate evidencing the account's good standing is issued annually.

Workforce Safety & Insurance does not waive its rights of subrogation.

Workforce Safety & Insurance does not allow additional insureds to be listed on the account.

Workforce Safety & Insurance, 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.