Coverage Limits & Rights of Subrogation

North Dakota Workforce Safety & Insurance (WSI) account holders are equally insured with workers’ compensation coverage provided through WSI, a monopolistic state fund. Coverage is provided without limits, other than the limits placed on individual benefits such as the maximum weekly disability benefit.

All accounts have an annual renewal date; however, coverage does not cease on that date, but rather continues without interruption until the account is closed. Only in the event of a significantly delinquent account does WSI issue a formal notice of an uninsured status. A certificate proving the account's good standing is issued annually.

  • WSI does not waive its rights of subrogation
  • WSI does not allow additional insureds to be listed on the account
  • WSI does not include general liability coverage
  • WSI, because it is a state agency, does not issue a policy. Rather, all provisions are stated in the form of North Dakota statute or administrative rules