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

Definition of Employer

An employer is a person who receives the services of another for remuneration. It includes individuals, the state, corporations and their officers, partnerships and their partners, limited liability companies and their managers, associations, legal representatives of a deceased person, receivers and trustees. Please contact our Employer Services Department for assistance in determining if your business entity is an employer for purposes of North Dakota law.