Insurance Coverage

The role of WSI	Starting a new business in ND	Who needs coverage
Definition of employer	Obtaining coverage	When your ND workers work outside ND
Coverage for volunteers	Coverage for staffing services	Optional coverage
Custom operations	If you have applied for a contractor's license	Independent contractor
Subcontractor arrangements	Changing or canceling coverage	Premium and payroll
Earn a premium discount	Experience rating	Deductible program
Retrospective rating plan	Premium audits	Requesting a quote
Proof of Insurance	Coverage Limits & Rights of Subrogation	Out of State Employers

If you have a question or concern regarding insurance coverage, or if you are an existing policyholder, feel free to contact our Employer Services Department via email at wsiemployerservices@nd.gov

The Role of WSI

Workforce Safety & Insurance (WSI) manages and regulates an exclusive employer-financed, no-fault insurance system covering workplace injuries, illnesses, and death. WSI is the sole provider and administrator of the workers’ compensation system in North Dakota. In addition to collecting premium payments from employers and processing claims filed by North Dakota workers, WSI promotes workplace safety by assisting employers in providing safe work environments for their workers. Benefits of WSI coverage include payment of medical, disability (wage replacement), vocational rehabilitation (if medically and vocationally necessary), impairment, and death benefits.

General liability, health, and accident insurance are not substitutes for workers’ compensation insurance. North Dakota Workers Compensation Law, with limited exceptions, requires all employers to insure their full-time, part-time, seasonal, and occasional workers.

Protection and Benefits:

When your premium is paid by the due date on your billing statement, WSI provides you with protection against civil liability. Therefore, a worker injured while in the course of employment cannot sue an employer with current workers’ compensation coverage.

For your workers, WSI provides benefits in relation to work-related injuries to include payments for medical expenses, disabilities, and death; awards for permanent impairment; and vocational rehabilitation services. WSI also has a scholarship fund for spouses and dependent children of workers who lost their lives in work-related accidents.

Since WSI is the sole provider of workers’ compensation insurance in the state, employers’ liability part two coverage is not available.

Terrorism Insurance Coverage:

Coverage for acts of terrorism is already included in your coverage through WSI. You should know that, effective November 26, 2002, under your existing coverage, any losses caused by certified acts of terrorism would be partially reimbursed by the United States under a formula established by federal law. Under this formula, the United States pays 90% of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company or state workers’ compensation fund providing the coverage.