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. We can provide limited coverage for temporary or incidental exposure (defined as less than 30 consecutive calendar days) outside the state of North Dakota.

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.