Common Questions

Not seeing your question below, contact Customer Service at 701-328-3800 or 800-777-5033 with questions.

Who needs WSI coverage?

North Dakota workers' compensation law, with limited exceptions, requires all employers to insure all employees including full-time, part-time, seasonal and occasional workers

See Coverage Requirements

See Elective Coverage

See Reciprocal Agreements

How do I apply for coverage?

You may complete an Application for Insurance online or submit an Application for Insurance form by regular mail or fax 888-786-8695.

What is Elective Coverage?

With the exception of federal and railroad employees, an employer may choose to purchase elective coverage for himself/herself and for any employees otherwise exempt. This coverage is not required by law. Coverage becomes effective upon WSI's approval of a completed, signed application and an elective coverage contract (when applicable).

Exempt from Title 65

  • Owner, partner, corporate officer or spouse
  • Employer's children under the age of 22
  • Certain licensed real estate brokers
  • Newspaper delivery personnel
  • Farm and ranch labor
  • Certain custom farm operations
  • Household domestic workers
  • Employees engaged in the operation of a place of worship
  • Federal and railroad employees

See Elective Coverage

Does an out-of-state business need coverage with WSI?

An employer whose employment results in significant contacts with North Dakota, or enters into employment agreements in North Dakota must secure coverage with WSI.

An employer has significant contacts with North Dakota when:

  • Any employee earns or expects to earn 25% or more of the employee's gross annual wage or income from that employer for services rendered within North Dakota, or
  • 25% or the employer's gross annual payroll is payable to employees for services rendered in North Dakota, or
  • An employer hires an employee in North Dakota for work in North Dakota. If you come into North Dakota and hire workers here, WSI coverage is required.

For additional information, see Coverage Requirements for Out-of-State Employers and Reciprocal Agreements

How are medical assessments calculated?

An employer is responsible for a portion of the medical expenses for each claim filed. Employers are billed monthly for assessable claims costs paid during the previous month. 

See Early Claim Reporting Incentive Letter

Can I take my North Dakota based employees out-of-state?

North Dakota employers who carry workers' compensation coverage with WSI face a unique challenge when they take their business operations outside the state of North Dakota. As a state agency, and not an insurance agency, WSI cannot write coverage for exposure outside the state. WSI may be able to provide limited coverage for your North Dakota based employees under circumstances in which the employee has worked outside North Dakota for a period of not more than 30 consecutive calendar days.

See North Dakota Based Workers Working Out-of-State

See All States Coverage

I need a North Dakota Contractor's License. How do I get a letter of good standing from WSI?

If you have an active account with WSI, you may upload a copy of your Certificate of Payment via the North Dakota Secretary of State website 

If you do not have an active account with WSI, See Verification of Non-Employment

How do I submit my payroll information?

Effective August 1, 2019 all employers will be required to submit their payroll data electronically through WSI's online payroll reporting system. Click here to learn more about online payroll reporting.

If you have questions or need assistance, contact customer service at 800-777-5033 or 701-328-3800. 

How do I set up an eAccount?

Click here to learn more about setting up an eAccount.

If you have questions or need assistance, contact customer service at 800-777-5033 or 701-328-3800.

I am starting a business in North Dakota. What do I need to do?

Make sure you have applied for coverage with WSI. Here is some additional information on starting a business in North Dakota.

How do I sign up to receive the Employer InSite newsletter?

To receive the latest employer news, subscribe to our Employer InSite.

What is AutoPay?

You are able to set up recurring payments by credit card or ACH method using WSI’s new AutoPay option.

Click here to learn more about WSI's AutoPay

What is QuickPay?

Payment can be made online at by accessing the QuickPay option.

  • Click on QuickPay
  • Enter your statement ID listed on the front of your billing statement
  • Enter credit card information

Click here to learn more about WSI's QuickPay

How do I check to see if an employer has coverage with WSI?

In order to see if an employer has coverage with WSI, go to Employer Search

How do I get proof of WSI Coverage?

An account in good standing with WSI is issued a Certificate of Payment. You may access your Certificate of Payment at myWSI.