Workforce Safety & Insurance (WSI) provides workers' compensation insurance and workplace safety services to North Dakota employers and employees. Learn more about who we serve, the services we provide, our financial information and how we measure success.
About WSI
For more than 100 years, WSI has cared for injured employees and promoted safe workplaces across North Dakota.
WSI is North Dakota's exclusive, employer-financed, no-fault workers' compensation state fund. As a special fund agency, WSI receives no general fund dollars.
Our Philosophy
Core Purpose: To care for injured workers
Business: We provide workers' compensation and safety services.
Vision: A safe, secure and healthy North Dakota workforce
Core Values: Loyal, Caring, and Forthright
Strategic Anchors: Exceptional People, Exceptional Service, and Financial Stability
WSI by the Numbers
Full-time team member authority
Temporary team members
Average years of service
Average age
Retirement-eligible
Turnover rate
Who We Serve
Employees: WSI’s highest priority is the health and safety of our North Dakota workforce. In the event of an injury, our goal is to help injured employees regain their health and return to work.
Employers: WSI provides workers’ compensation coverage in North Dakota and administers safety programs and services to provide a safe and healthy workforce.
Medical Providers: WSI partners with medical providers to help reduce and prevent long-term disability allowing injured employees to return to work quickly and safely.
Covered workforce
Employer accounts
Claims filed
2025-2027 Biennial Budget Appropriation
| Budget Category | Amount |
|---|---|
| Salary and operating | $71.9 million |
| One-time funding | $8.5 million |
| Total appropriation | $80,434,139 |
What We Do
Claims Management: Assists injured employees on their journey to recovery by adjudicating and managing claims. This includes managing medical, wage-loss, and rehabilitation benefits.
Customer Service: Supports WSI’s internal operations by receiving and answering customer calls and inquiries.
Medical Services: Offers medical providers educational and administrative services to assist in injured employees’ treatment. Services include prior authorization, billing and payment, and pharmacy services.
Policyholder Services: Guides employers in obtaining North Dakota workers’ compensation insurance, while also providing premium billing, auditing, and collection services.
Return to Work Services: Assists injured employees in their medical recovery and return to work through nurse case management, vocational case management, and retraining programs.
Safety Services: Offers employers loss control consultations, education and training, safety incentive programs, and safety grants to ensure a safe and healthy workplace.
Why We Are Proud & How We Measure Success
Injury rates have fallen by 20% over the last decade, bringing them to a historic low of 3.91 claims filed per-100 covered employees. In fiscal year 2026, WSI issued $23 million in safety premium discounts to employers for successful participation in safety programs.
North Dakota is one of the least litigious workers’ compensation systems in the country. Less than half of 1% of decisions issued proceed to an administrative court hearing.
The WSI fund exceeds the statutory surplus requirements. WSI has issued $1.9 billion in employer dividends in the past 21 out of 22 years.
Continuous improvements to WSI’s core business system, CAPS, and self-service portal, myWSI, improve customer service, and enhance system maintainability for our internal and external customers.
From medical, wage-loss, and return to work services, WSI provides a favorable benefit package for injured employees as compared to other jurisdictions.
Workers' compensation premiums were reduced for the eleventh consecutive year with an average 1.8% reduction for the 2026-27 policy year. It is more than a 40% reduction in premiums over the last ten years allowing North Dakota to remain a business-friendly state and the lowest workers’ compensation premium state in the nation.
Fair payment for medical and hospital services ensures injured employees have access to quality healthcare. WSI fee schedules range from 177% to 248% of what Medicare would pay.
WSI’s customer satisfaction consistently ranks high on a 1 to 5-point scale:
Employer – 4.40
Injured Employee – 4.22
Medical Provider – 3.94
WSI Employee Engagement & Development
WSI’s overall employee engagement results in the Oct. 2025 Team ND Engagement Survey were 4.46 (on a 5-point scale), compared to 4.40 in 2024. WSI had a response rate of nearly 90%.
WSI developed and launched a leadership program, bildU, in the fall of 2022 with the goal of educating and providing our emerging leaders with the necessary tools to be successful. To date, 48 WSI employees have graduated or are participating in the program.