Coverage Requirements

Out-of-State Employers

Coverage is required if:

  • An employer hires employees in this state for work in this state
  • North Dakota based business location where employees work
  • Out-of-state residents working in North Dakota meet significant contact criteria when expected to earn 25% or more gross annual wage or income from employer for services performed in North Dakota
  • 25% of employer's gross annual payroll is payable to employees for services performed in North Dakota
  • An employer's workers' compensation policy will not cover their incidental exposure in North Dakota

As per North Dakota Century Code § 65-08-01 (5), An employer who opens an account with WSI is obligated to report all wages earned in North Dakota to WSI.

North Dakota Employers

Coverage is required if:

  • An employer hires employees to work in North Dakota
  • Employees are working at a business location in North Dakota

Elective Coverage

  • Coverage for an owner, partner, corporate officer, or spouse
  • Coverage for the employer’s children under the age of 22
  • Licensed real estate brokers
  • Newspaper delivery personnel
  • Farm and ranch labor
  • Certain custom farm operations
  • Household domestic workers
  • Employees engaged in the operation of a place of worship