North Dakota Workers Compensation Insurance

North Dakota Workers Compensation Insurance Rules

1. Does my North Dakota business need workers compensation insurance?

North Dakota is a monopolistic state and requires all businesses to carry workers compensation insurance coverage through the State Fund.

2. In North Dakota is there any exemptions from carrying workers compensation insurance?

There are no exemptions from workers compensation insurance coverage.

3. Does North Dakota workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Sole proprietors and Independent Contractors acting as sole proprietors may elect not to carry workers compensation insurance.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

North Dakota Workers Compensation

North Dakota Workers Compensation Links

News and Legislative Updates
North Dakota Workers Compensation Act
Archived Statutes Center
North Dakota Workers Comp. Forms
Quick Facts and Contact Information
Schedule/Calendar of Events