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North Dakota Workers' Compensation Requirements
At a glance
The details
Monopolistic state: WSI is sole provider. Coverage required before hiring first employee (limited exceptions).
North Dakota is a monopolistic state
Workers' compensation here is purchased exclusively from the state fund (ND Workforce Safety & Insurance). Private carriers cannot write WC policies — quotes from national insurers will redirect you to the state fund.
If a claim happens: benefit amounts in North Dakota
Max TTD weekly benefit as of Jan 1, 2025 (IAIABC/WCRI Workers' Compensation Laws 2025 compendium, Table A.1). Annual-adjustment states have since raised 2025-2026 rates — verify before launch Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts 07/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in North Dakota?
Yes — North Dakota requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in North Dakota?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in North Dakota?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for North Dakota's current enforcement posture.
Official source: ND Workforce Safety & Insurance · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules