What Workers’ Compensation Insurance Requirements Apply in North Dakota?

North Dakota operates workers’ compensation through WSI, an exclusive employer-financed state fund. Employers generally must insure all workers, including part-time, seasonal, and occasional employees; specified owners, family members, farm workers, and other statutory classes are exempt unless WSI approves elective coverage.

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

What to Watch for With Workers’ Compensation in North Dakota

North Dakota Coverage Runs Through WSI
WSI is the exclusive provider and administrator of the state’s no-fault system, not a market where a business selects a private workers’ comp carrier. Apply to WSI and confirm coverage before hiring or beginning work in North Dakota. ¹
Out-of-State Employers Can Trigger WSI Coverage by Payroll or Hiring
WSI treats an employer as having significant North Dakota contacts if 25% or more of an employee’s annual pay or the employer’s gross payroll is tied to North Dakota services, or if the employer hires a worker in North Dakota for work here. Ask WSI to determine coverage before a local hire or recurring work assignment. ¹
Owner and Family Exemptions Need a Separate Election
WSI lists owners, partners, corporate officers or spouses, children under 22, farm/ranch labor, and other categories as exempt from Title 65; elective coverage takes effect only after WSI approves the signed application and contract. Ask WSI to confirm written approval before counting an exempt owner as protected. ¹
WSI Does Not Replace Other States’ Coverage
For North Dakota-based employers, WSI says its extension outside the state may be limited to work periods no longer than 30 consecutive calendar days and it cannot cover employees who do not work in North Dakota. Ask the broker to place coverage in each other state before crews travel. ¹

Providers With North Dakota License Records

These providers publish a national listing for Workers’ compensation; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in North Dakota. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi lists workers’ compensation insurance.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹³
ERGO NEXT offers workers’ compensation insurance for small businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹²
Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁴
TechInsurance arranges workers’ compensation insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁵
Vouch lists workers’ compensation among core coverages for technology companies.

Who Regulates Insurance in North Dakota?

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 701-328-2440

Surplus-Lines Tax and Stamping Office in North Dakota

Reported tax rate. 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state ^6,^7,⁸

When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.

Questions to Ask Before You Buy Workers’ Compensation in North Dakota

Does our expected North Dakota payroll share or local hiring trigger a WSI application?
Has WSI approved elective coverage for an owner or otherwise exempt worker?
How will we cover North Dakota employees assigned outside the state longer than 30 consecutive days?

Workers’ Compensation Insurance in North Dakota: FAQ

Can a private insurer write North Dakota workers’ comp?

No. WSI is North Dakota’s exclusive provider and administrator of workers’ compensation coverage. ¹

When must an out-of-state employer obtain North Dakota coverage?

When it has significant contacts, including at least 25% of an employee’s gross annual income or the employer’s payroll for North Dakota work, or when it hires an employee in North Dakota for work there. ¹

Sources for Workers’ Compensation Insurance in North Dakota

1
Workforce Safety and Insurance FAQ. North Dakota State Government / Workforce Safety and Insurance; Exclusive fund, employer scope, exceptions/elective coverage, significant contacts, extraterritorial limit; accessed 2026-09-28. Accessed 2026-09-28.
2
North Dakota Century Code, Title 65 Chapter 01. North Dakota Legislative Branch; §65-01-05: unlawful employment without insurance, uninsured employer liability and penalties; current official code PDF accessed 2026-09-28. Accessed 2026-09-28.
3
North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
4
Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
5
Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
6
Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
7
N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
8
Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Workers’ Compensation Insurance Requirements Apply in North Dakota?

What Is Workers’ Compensation Insurance?

What to Watch for With Workers’ Compensation in North Dakota

North Dakota Coverage Runs Through WSI

Out-of-State Employers Can Trigger WSI Coverage by Payroll or Hiring

Owner and Family Exemptions Need a Separate Election

WSI Does Not Replace Other States’ Coverage

Providers With North Dakota License Records

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch