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
Experience rating	Deductible program	Out of State Employers
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

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.