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Good Evening
10:55:50 PM CDT
Thursday, August 21, 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


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.

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