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

Subcontractor Arrangements

Workers’ Compensation Insurance in Subcontractor Arrangements:

The principal contractor can be liable for the unpaid premium of his subcontractors or independent contractors who fail to secure workers’ compensation coverage. If you are a principal contractor:

Be sure to require a Certificate of Premium Payment from subcontractors verifying that they have workers’ compensation coverage for their workers.
If the subcontractor has provided proper coverage, the subcontractor’s payroll is not normally included in your payroll.
If the subcontractor does not have coverage for their workers, they may be required to include these workers and their wages in their payroll.
If requested by WSI, it is the responsibility of the contractor to provide a list of all subcontractors.