North Dakota Workers' Compensation Insurance
Protect your business and employees with North Dakota workers' comp
North Dakota workers' compensation insurance offers medical care and financial support to employees who are injured on the job. This coverage also helps businesses meet legal requirements and improve workplace safety.
Since North Dakota is a monopolistic workers' comp state, you'll need to purchase insurance from the state fund. However, you can still get advice from one of our Progressive Commercial agents.
Who needs workers' compensation insurance in North Dakota?
Nearly every employer in North Dakota needs to have workers' comp insurance, including those from out of state.
If you want to learn more you can review North Dakota workers' compensation laws.
North Dakota workers' compensation insurance exemptions
Most businesses need coverage, but there are some exemptions to North Dakota workers' comp, like:
- Real estate agents with contracts
- Federal and railroad employees
- Newspaper delivery workers
- Approved independent contractors
- Employer's children under 22
- Farm, ranch, household, and church workers
To prevent potential issues, it's best to confirm your exemption status with an expert.
What are the penalties for not having workers' comp in North Dakota?
Penalties for not having workers' comp insurance in North Dakota include:
- Paying missed premiums
- Covering claims costs
- Receiving a stop-work order
- A $10,000 fine plus an additional $100/day
Follow North Dakota workers' comp laws and secure coverage to avoid these financial risks.
How much does workers' comp cost in North Dakota?
The cost of North Dakota workers' comp depends on things like payroll, location, number of employees, industry, and claims history. These factors can help you understand your rate and manage your expenses.
How can you get workers' comp in North Dakota?
Employers must get workers' compensation from the North Dakota Workforce Safety and Insurance (WSI) state fund. Private insurance and self-insurance aren't available.
Visit the state fund website to apply for coverage and protect your team.
How does workers' comp work in North Dakota?
Workers' comp helps employees who experience workplace accidents. Claims are managed by WSI. Once approved, employees receive support for their recovery.
North Dakota workers' compensation benefits can cover:
- Medical expenses
- Disability benefits
- Lost wages
- Rehabilitation costs
Providing coverage also reduces the risk of lawsuits, since employees who receive benefits usually can't sue your business.
North Dakota workers' compensation death benefits
North Dakota workers' comp death benefits assist families of workers who have died, covering expenses and offering financial aid. Dependents can receive:
- A lump-sum payment of $10,000 for funeral expenses
- Two-thirds of the worker's pay, up to 125% of the state average
Total death benefits are capped at $300,000 over the claim period.
North Dakota workers' compensation statute of limitations
The North Dakota statute of limitations requires employees to file workers' comp claims within a year of getting hurt or two years after a death. Remind your team to report accidents right away to secure their eligibility for benefits.
