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

Optional Coverage

Coverage for the owners, partners, or corporate officers of a business corporation, partnership, or limited liability company is optional. An employer may elect to purchase optional coverage for themselves, their spouse, children under the age of 22, and for most workers otherwise exempt under Title 65. This coverage is not required by law.

Coverage for an owner, partner, corporate officer, or spouse will be charged an annual premium based upon the appropriate class rate multiplied by the maximum taxable payroll cap.
Coverage for the employer’s children under the age of 22 is based upon the appropriate class rate multiplied by the actual wages paid.
Coverage for the employer’s children aged 22 and older is mandatory and based upon the appropriate class rate multiplied by the actual wages paid up to the maximum taxable payroll cap.

If you have any doubt about whether you should be insured, please contact Policyholder Services at (701) 328-3800 or 1-800-777-5033.