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

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 Coverage.