North Dakota Workers Working Out-of-State

North Dakota employers who carry workers' compensation coverage with North Dakota Workforce Safety & Insurance (WSI) face unique challenges when they take their business operations outside of the state of North Dakota. As a state agency, and not an insurance company, WSI cannot write coverage for exposure outside the state. WSI may be able to provide limited coverage for your North Dakota based employees with temporary or incidental exposure out of state under circumstances in which the employee has worked outside North Dakota for a period of not more than 30 consecutive calendar days.

It is the responsibility of each North Dakota businessperson to analyze their out-of-state risk. The cost of noncompliance premium, penalty, and interest can be substantial if the regulator of another state finds that coverage should have been secured. Generally, an extended stay or a significant amount of work, repeat business in the other state, a permanent or semi-permanent place of business, or hiring local residents in that other state are facts to consider when evaluating your need for workers’ compensation coverage in another state.