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Good Evening
5:05:22 PM CDT
Wednesday, December 17, 2014

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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


Custom Operations

Generally, agricultural work is exempt from mandatory workers’ compensation coverage unless any of the following occur:

  • A custom operator who is “based outside this state” and comes into North Dakota to perform custom work must secure coverage with WSI.  This is regardless of the number of days of operation in this state.
  • A North Dakota employer doing custom work outside this state (which would presume that the operations are based in North Dakota) and brings along North Dakota residents would be covered for exposure outside the state pursuant to our extraterritorial statute, or 30 consecutive days. Any exposure longer than 30 days would likely require the employer to secure coverage in the state in which he is doing business.
  • A North-Dakota-based custom farming operator who provides customer services inside the state of North Dakota retains the exemption so long as his work does not exceed “30 actual working days of operation.” The statute does not discuss “calendar” or “consecutive” days, but “actual” days. That means that any excess of 30 days of custom operations, regardless of breaks between working days or length of time spent with a particular customer, requires that the employer secure coverage.
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