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8:47:33 PM CDT
Monday, September 01, 2014

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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


The Role of WSI

Workforce Safety & Insurance (WSI) manages and regulates an exclusive employer-financed, no-fault insurance system covering workplace injuries, illnesses, and death. WSI is the sole provider and administrator of the workers’ compensation system in North Dakota. In addition to collecting premium payments from employers and processing claims filed by North Dakota workers, WSI promotes workplace safety by assisting employers in providing safe work environments for their workers. Benefits of WSI coverage include payment of medical, disability (wage replacement), vocational rehabilitation (if medically and vocationally necessary), impairment, and death benefits.

General liability, health, and accident insurance are not substitutes for workers’ compensation insurance. North Dakota Workers Compensation Law, with limited exceptions, requires all employers to insure their full-time, part-time, seasonal, and occasional workers.

Protection and Benefits:

When your premium is paid by the due date on your billing statement, WSI provides you with protection against civil liability. Therefore, a worker injured while in the course of employment cannot sue an employer with current workers’ compensation coverage.

For your workers, WSI provides benefits in relation to work-related injuries to include payments for medical expenses, disabilities, and death; awards for permanent impairment; and vocational rehabilitation services. WSI also has a scholarship fund for spouses and dependent children of workers who lost their lives in work-related accidents.

Since WSI is the sole provider of workers’ compensation insurance in the state, employers’ liability part two coverage is not available.

Terrorism Insurance Coverage:

Coverage for acts of terrorism is already included in your coverage through WSI. You should know that, effective November 26, 2002, under your existing coverage, any losses caused by certified acts of terrorism would be partially reimbursed by the United States under a formula established by federal law. Under this formula, the United States pays 90% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company or state workers’ compensation fund providing the coverage.

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