North Dakota Workers’ Comp Insurance
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?
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:
- Business Owner’s Policy (BOP)
- Commercial auto insurance
- Commercial property insurance
- Professional liability insurance
How To Get North Dakota Workers’ Comp Insurance
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”