North Dakota Statutory Insurance Guide

Workers' Compensation Insurance in North Dakota

Comprehensive risk management, A-rated carrier programs, and licensed underwriting for staffing agencies, solar contractors, and trucking fleets across North Dakota.

Call Toll-Free: +1 (800) 411-0733 Explore North Dakota Programs »

20+ Years Brokerage

Specialized High-Risk & Multi-State Commercial Policies

Commercial employers operating in North Dakota must comply with state statutory workers' compensation insurance requirements under N.D. Cent. Code Title 65. Strictly mandatory for all employers with 1 or more employees through the state-administered North Dakota WSI fund. Private statutory policies are prohibited by law.

Monopolistic State Fund Advisory: Under North Dakota statutory law, primary workers' compensation must be obtained through North Dakota Workforce Safety & Insurance (WSI). Private statutory policies are prohibited. However, employers require private Stop-Gap Employer's Liability Insurance from Redvo Insurance Solutions to cover out-of-state employee travel, dual-capacity claims, and third-party action-over lawsuits.

At Redvo Insurance Solutions, founded by principal broker Fadi Faraj (active in commercial workers' comp since 2004), we guide businesses across North Dakota through risk classification scrubs, experience modification (E-Mod) containment, and multi-state cross-border endorsements.

North Dakota Workers' Compensation Regulatory Snapshot

Statutory Regulatory Framework: North Dakota

  • Governing Agency: North Dakota Workforce Safety & Insurance (WSI)
  • Rating Bureau: North Dakota WSI (Exclusive State Rating Agency) (Monopolistic State Fund)
  • Statutory Mandate: Strictly mandatory for all employers with 1 or more employees through the state-administered North Dakota WSI fund. Private statutory policies are prohibited by law.
  • Legal Citation: N.D. Cent. Code Title 65
  • Residual Market Mechanism: Exclusive State Fund (North Dakota WSI) (Monopolistic State Fund)
  • Non-Compliance Enforcement: Stop-Work Order, penalty equal to the premium due plus 20% penalty, Class A misdemeanor for first offense and Class C felony for subsequent offenses.

Specialized Insurance Programs Available in North Dakota

Temporary & Direct Placement

Staffing Agencies Workers Comp

Co-employment protection, Alternate Employer Endorsements (WC 00 03 01 A), high-turnover payroll tracking, and startup staffing agency programs in North Dakota.

View Staffing Coverage in North Dakota »
Renewable Energy & Electrical

Solar Installer Workers Comp

Rooftop fall hazard underwriting, NCCI Class 3724 / 5551 payroll segregation, and general contractor certificate compliance across North Dakota.

View Solar Coverage in North Dakota »
Transportation & Logistics

Trucking Workers Comp

Interstate and regional motor carrier coverage, owner-operator Occupational Accident plans, and multi-state driver endorsements in North Dakota.

View Trucking Coverage in North Dakota »
Alternative Placement & Non-Renewals

PEO & Pay-As-You-Go Plans

Zero upfront deposit, integrated payroll reporting, and captive brokerage for high E-Mod or lapsed policies across North Dakota.

View PEO Coverage in North Dakota »

North Dakota Workers' Compensation Frequently Asked Questions

How can businesses in North Dakota get a fast quote from Redvo Insurance Solutions?
You can request an instant quote online or call Redvo Insurance Solutions directly at +1 (800) 411-0733. Our underwriting specialists review your payroll, job classifications, and risk history to provide competitive quote options within 24–48 hours.
How does Pay-As-You-Go workers' compensation work for North Dakota employers?
Pay-As-You-Go links your workers' comp premium payments directly to your monthly payroll. Instead of paying large estimated deposits, you pay based on actual wages, eliminating unexpected year-end audit adjustments.
Can Redvo help a business in North Dakota facing policy cancellation or a high E-Mod?
Yes. We maintain direct access to specialized non-admitted markets, captive risk programs, and PEO arrangements that write distressed risks with E-Mod ratings up to 2.5+.
How does Redvo protect North Dakota businesses during annual payroll audits?
We provide complimentary pre-audit payroll reviews, verifying that clerical and low-risk employees are not mistakenly reclassified into high-hazard operational codes by carrier auditors.

Cross-Border & Multi-State Operations:

Operating traveling crews or satellite branches outside North Dakota? Explore statutory workers' comp programs in other key states:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana View All 50 States »
Local North Dakota Guidance

Speak With An Underwriter

Fast quotes & expert guidance on North Dakota compliance.

+1 (800) 411-0733

Request A North Dakota Quote

Free evaluation & competitive rates

100% Confidential Underwriting • Zero Spam