Important Information for New Policyholders

This section contains valuable information regarding workers' compensation as well as information on starting or expanding your business in North Dakota. 

Starting a New Business in North Dakota

You may want to visit the State of North Dakota New Business Registration Website to access the  State of North Dakota New Business Registration Forms packet (link is external). It provides information to help you establish or expand your business in North Dakota. To apply for workers’ compensation insurance, see Obtaining Coverage

Checklist of State Agencies for New Businesses 

WSI works in cooperation with other state agencies to provide all new business owners a checklist to ensure that they are in compliance with those agency requirements.

Insurance Coverage Requirements for Out-of-State Employers

North Dakota law does not allow private insurers to underwrite workers’ compensation insurance in North Dakota. WSI is the sole provider and regulator of workers’ compensation in the state of North Dakota. Out-of-state employers must have WSI workers’ compensation coverage in place before hiring workers in North Dakota or before employees begin working in North Dakota.

North Dakota Workers Working out-of State

North Dakota employers who carry workers' compensation coverage with North Dakota Workforce Safety & Insurance (WSI) face unique challenges when they have North Dakota Workers Working Out-of-State. It is the responsibility of each North Dakota business person to analyze their out-of-state risk.

Employer Quick Reference Guide

The Employer Quick Reference Guide includes basic information on obtaining coverage, payroll reporting, premium payment options and obtaining proof of coverage.

Important Notice of Workers Poster 

The Important Notice to Workers Poster is provided to all employers and covers basic information about workers’ compensation and benefits available to employees involved in a work related injury.

First Report of Injury Form 

The First Report of Injury Form is used to report an injury to WSI. It should be completed as soon as possible after an injury occurs. It should be completed by both the employer and the employee as it will expedite the process.

Early Claim Reporting Incentive   

The Early Claim Reporting Incentive explains the steps and timeline recommended to ensure that the employer saves on claim costs and the injured worker receives the best medical care and support possible.

Reducing Workers' Compensation Costs: Tips for Employers

This fact sheet covers many of the ways employers can use safety in the workplace to reduce injuries. It informs you of what programs WSI has in place to assist you with this process and the timeframes and options for reporting injuries.

Fraud Prevention Tips for Employers

These tips will educate employers on how to recognize possible signs of fraud in the workplace and ways to prevent it by staying involved in the day to day operations. Communication and trust with your employees is one sure way to get their commitment to help control fraudulent situations.

Near Miss Reports and Investigations 

Situations occur that may not result in an injury or property damage but have that potential. This information will assist employers in having a near miss report system in place, allowing employees to report and have unsafe situations addressed. Hopefully this will prevent a second occurrence or possible serious injury from occurring.

Safety Incentive Programs 

The WSI Loss Control Department provides policyhlders with a multitude of safety programs and safety services.

Small Account Credit/Debit Program

The goal of  the Small Account Credit/Debit to create incentives for small businesses to manage their claims and implement safety programs.

Certificate of Premium Payment

WSI issues a Certificate of Premium Payment as a proof of insurance coverage to all active policyholders who are current with their premium payments. The certificate reflects an expiration date that coincides with the amount of the payment received. Each subsequent minimum payment will generate a certificate for 60 days. If payment of the entire balance is received, the certificate will be issued for the full policy period.

  • North Dakota law requires the Certificate of Premium Payment be posted at your place of business.
  • You may make copies of the certificate or access your WSI workers’ compensation account online at Employer Account (OEA).
  • You may also request a duplicate certificate by calling 800-777-5033 or by email at