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North Dakota is one of four states that uses a monopolistic state fund to provide workers' compensation insurance to employers. This means there is no private insurance marketplace in the state.
Coverage can be obtained directly from WSI. The online application is a timesaving way to apply for workers' compensation insurance coverage online. Employers may also download the ND Application, complete it, and either fax it to 701-328-3750 or mail it to directly to WSI.
The weekly payment minimum is 60% of the North Dakota state average weekly wage, $376, or the employees actual wage if it is less. The weekly maximum is $689, 110% of the injured workers actual average weekly wage.
The 5 Most Common Workers' Compensation InjuriesStrains (30.06% of workers' compensation claims)Contusions (20.83% of claims)Lacerations (11.79% of claims)Sprains (8.85% of claims)Punctures (5.50% of claims)
Some states however prohibit the sale of workers compensation by private insurers and, instead, require employers to purchase coverage from a government-operated fund. North Dakota, Ohio, Wyoming, and Washington are the four states with this specific requirement and are referred to as monopolistic states.
North Dakota law requires businesses (with limited exceptions) to have workers' compensation insurance prior to hiring their first employee. Workers' compensation insurance is meant to protect both your company and your employees. To receive the latest employer newsletter, subscribe to our Employer InSite .
North Dakota's Workers' Compensation law, with limited exceptions, requires all employers to insure all employees including full-time, part-time, seasonal, and occasional workers before employees begin working. It is unlawful to deduct any portion of the premium from wages or salary of any employee.