Workforce Safety & Insurance (WSI)
is an exclusive, employer financed, no-fault insurance
state fund covering workplace injuries, illnesses,
and death. WSI is the sole provider and administrator
of the workers’ compensation system in North Dakota.
North Dakota is one of four “exclusive”
state funds in the country (the other three are Ohio,
Washington, and Wyoming). This means
that all employers, except those authorized to self-insure,
must purchase workers’ compensation insurance
from the state fund, rather than from private insurance
companies. In the other 45 states and the District
of Columbia, employers have the option to either
buy workers’ compensation insurance from private
insurance companies and competitive state funds
or to self-insure.
The workers’ compensation fund was governmentally created in 1919. It is administered by the following:
North Dakota Administrative Code (Title 92)
North Dakota Century Code (Title 65)
Legislation enacted in 1997 created a customer-based Board of Directors. The role of the Board is to ensure continuity of leadership at WSI and to ensure that WSI operates efficiently and effectively. As part of the Board’s governance, WSI undergoes a performance audit every two years. Additionally, an Internal Audit Department is in place at WSI which reports to the Board. This further ensures that continued improvements are being made in all key areas of WSI operations and services.