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
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
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.