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Good Morning
9:27:55 AM CDT
Friday, May 22, 2015

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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

Out of State Employers Working in North Dakota
North Dakota’s workers’ compensation system is different from most states in which you conduct business. Workforce Safety & Insurance (WSI) is the sole provider and regulator of workers’ compensation in the state of North Dakota. North Dakota law does not allow private insurers to underwrite workers’ compensation insurance in North Dakota. You will want to be certain you have the proper workers’ compensation coverage in place before employees begin working in North Dakota or hiring workers based in North Dakota.

Coverage Requirements for Out-of-State Employers:
Any employer whose employment results in significant contacts with North Dakota, or enters into employment agreements in North Dakota shall acquire coverage with WSI.

An employer has significant contacts with North Dakota when:

  1. Any employee earns or would have been expected to earn twenty-five percent or more of the employee’s gross annual wage or income from that employer for services rendered within North Dakota; or
  2. Twenty-five percent of the employer's gross annual payroll is payable to employees for services rendered in North Dakota.

If you come in to North Dakota and hire workers here, WSI coverage is required.
ND 65-04-33 states “An employer may not employ any person, or receive the fruits of the labor of any person, in a hazardous employment as defined in this title, without first applying for workforce safety and insurance coverage for the protection of employees by notifying the organization of the intended employment, the nature of the intended employment, and the estimated payroll expenditure for the coming twelve-month period.”

Reciprocal Agreements
The significant contact test does not apply if your business has 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.

In order for your business to have reciprocity with North Dakota, you must request the reciprocal agreement from the appropriate state.
A petition will be sent to WSI for review. WSI will respond with confirmation or a denial letter. Reciprocal agreements are for a limited amount of time and must be monitored closely.

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 earned in North Dakota must be reported annually to WSI. Please see Obtaining Coverage

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