North Dakota is a monopolistic state meaning employers must purchase workers compensation insurance directly from the state’s Workforce Safety Insurance (WSI) program. WSI is the exclusive, employer financed, no-fault insurance state fund covering workplace injuries, illnesses, and death in North Dakota. WSI is the sole provider and administrator of the workers comp insurance in North Dakota. Follow this link to North Dakota
Workforce Safety and Insurance.

Monopolistic States do not allow employers to purchase workers compensation insurance from private insurance companies. Instead the state sets up its own work comp insurance program. They establish rates, issue coverage, and administer claims in methods similar to private insurance companies.

Caution: Out of state employers with employees in a monopolistic state must contact that state to arrange workers compensation insurance coverage for those employees. The employer’s home state workers compensation insurance policy will not and can not extend coverage into monopolistic states.

North Dakota Industry Links:

Professional Insurance Agents of North Dakota

North Dakota Insurance Department

North Dakota Department of Labor