What to Know
You are required to carry workers' compensation insurance in North Dakota if:
- You have any employees working in North Dakota, whether full-time, part-time, temporary or seasonal.
- You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>
Other regulations that may affect you:
- Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>
Where to Get It
- North Dakota is monopolistic, which means there is no private market for workers' compensation insurance and you must purchase it through the state fund. Please visit Workforce Safety & Insurance to learn more.
Factors That Impact Coverage
- You are a sole proprietor, partner, corporate officer or member of an LLC: North Dakota excludes you from coverage, but you have the option to include yourself.
- You are an independent contractor: You are exempt from coverage after completing an Independent Contractor Verification Application.
- You are a general contractor: You are responsible for securing coverage and paying premiums for subcontractors until they have obtained their own coverage.
North Dakota Key Resources
If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.
The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>