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Good Morning
7:11:50 AM CDT
Monday, September 22, 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


Experience Rating

Experience rating is a projection of future losses using the employer’s past claims history. Your individual experience rate directly impacts the amount of premium you will be charged.

While the rate classification system provides for the distribution of premium to various industries and exposures, WSI offers an experience rating program to further focus premium load within a given industry. Generally, employers with a good loss history are rewarded with premium discounts. Employers with a poor loss history are charged premium above the manual rates.

Qualifying for experience rating:

Beginning with an employer’s fifth year of North Dakota operations, accounts may be experience rated. To qualify for experience rating, an account must have a minimum aggregate premium of $15,000 over the 3 year experience-rating period. Maximum discounts and surcharges will vary depending upon the size of the individual policy.

For detailed information, please contact Employer Services at (701) 328-3800 or 1-800-777-5033.

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