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
Coverage Requirements for Out-of-State Employers:
Any employer whose employment results in significant contacts with North Dakota
shall acquire coverage with WSI.
An employer has significant contacts with North Dakota when:
- Any employee earns, or would have been expected to earn, 25 percent or more
of their gross annual wage or income from that employer for services rendered
within North Dakota; or
- Twenty-five percent of the employer's gross annual payroll is payable to
employees for services rendered in North Dakota.
The significant contact test does not apply if there is a reciprocal
agreement in place between the state the employees are based out of and North
Dakota. North Dakota has reciprocal agreements, with certain restrictions, with
the following seven states: Idaho, Montana, Oregon, South Dakota, Utah, Washington,
and Wyoming. Please contact the appropriate state for a determination as to
whether a reciprocal agreement will satisfy coverage requirements.
If you do not have significant contacts with North Dakota, as defined above, you are not required to obtain a WSI policy.
If you open a workers’ compensation policy with WSI,
all payroll generated in North Dakota must be reported.
Please see Obtaining