North Dakota Workers’ Comp Insurance

North Dakota workers’ comp North Dakota workers’ comp insurance helps your employees recover from work-related injuries or illnesses. Workers’ compensation insurance gives your workers benefits that can help cover:
 
  • Medical bills
  • Disability payments
  • Lost wages
  • Funeral costs

How Does Workers’ Comp Work in North Dakota?

If your employee gets hurt or sick from their job, North Dakota workers’ compensation provides medical benefits to help cover their treatment costs. If they need to take time away from work to recover, it can also help replace most of their lost wages.
 
Be aware that North Dakota is one of four monopolistic states. This means business owners must go through a state fund for workers’ comp coverage.
 
Generally, getting workers’ compensation insurance through a state fund means your policy won’t include employer’s liability insurance. So, an employee can sue you for work-related injuries or illnesses.
 
To protect yourself from these kinds of lawsuits, you’d have to get stop-gap coverage. You can add this coverage to a general liability insurance policy. If you’re a business owner in North Dakota, we make it quick and easy for you to get a general liability insurance quote.
 

Is ND Workers’ Compensation Required?

North Dakota workers’ compensation The state of North Dakota requires that most businesses have workers’ compensation insurance before hiring their first employee.1 In ND, workers’ compensation is also needed for out-of-state employees working in the state.2 So, businesses have to get coverage for those workers through North Dakota Workforce Safety & Insurance.
 
Certain types of North Dakota employers aren’t required to have coverage. This includes:3
 
  • Licensed real estate brokers and agents with written agreements classifying them as independent contractors
  • Farm and ranch workers
  • Household domestic workers
  • Employees in a place of worship
  • Independent contractors
  • Federal and railroad employees
  • Children of an employer if they’re younger than 22 years old
  • Newspaper delivery personnel with a written agreement that classifies them as an independent contractor

Is North Dakota a Monopolistic State for Workers’ Comp?

Yes, North Dakota is a monopolistic state for workers’ comp. This means employers have to get workers’ compensation insurance through North Dakota Workforce Safety and Insurance (WSI). Business owners can’t get workers’ comp through a private insurance company. Other monopolistic states include:
 
Businesses in these states can get other types of business insurance from a private insurer, such as:
 

How To Get North Dakota Workers’ Comp Insurance

ND workers’ compensation Business owners have to get workers’ comp insurance through North Dakota’s state fund. North Dakota employers can learn more about requirements and get coverage through the ND NSI website.
 

Get a Quote for Other Types of Business Insurance From The Hartford

Although business owners can’t get workers’ compensation insurance from The Hartford, they can get other types of business insurance in North Dakota.
 
For example, because you won’t have employer’s liability insurance, adding stop-gap coverage to a general liability insurance policy is important. Otherwise, you’d have to pay out of pocket for legal costs if a hurt or sick employee sues your business.
 
We’re an experienced insurance company and can help small businesses get the right insurance coverage for your business. Get a business insurance quote today and see how we can protect your business.
 
 
1 North Dakota Workforce Safety & Insurance, “Employers”
 
2 North Dakota Workforce Safety & Insurance, “Coverage Requirements”
 
3 North Dakota Workers’ Compensation, “An Employer’s Guide to Workers’ Compensation”
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
 
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