Insurance Coverage
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
Coverage Requirements for Out-of-State Employers:
Any employer whose employment results in significant contacts with North Dakota
shall acquire coverage with WSI. However, if your workers' compensation carrier
from your home state extends coverage into North Dakota, you must provide proof
of coverage. The exception to this requirement is if your home state has a reciprocal
agreement with WSI.
If your home state will not provide coverage into North Dakota, and you have
significant contacts with North Dakota, you must secure 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, and you can provide proof that your
workers’ compensation carrier from your home state extends coverage into North
Dakota, 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
Coverage.
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