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North Dakota's Workers' Compensation Insurance Law
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Workers' Compensation Laws in North Dakota

North Dakota law requires all employers to purchase Workers' Compensation Insurance for their employees (part-time, full-time, seasonal, or otherwise) prior to hiring.

ND Workers' Comp: Key Details

  • Sole proprietors, partners, and corporate officers of North Dakota businesses can cover themselves; however, they may also elect not to.
  • Coverage is mandatory for all businesses, except for:
    • Farm and ranch labor, certain custom operations, household domestic workers, and employees engaged in the operation of a place of worship.
    • Independent contractors. To be considered an independent contractor, you may need to complete an Independent Contractor Verification Application. Once approved, you will be exempt from carrying Workers' Compensation.
    • Federal and railroad employees.
    • Children of the employer who are under the age of 22.
  • North Dakota runs a monopolistic state insurance fund. In other words, you can only purchase coverage through the state. Self-insurance and private insurance are not permitted. This means Insureon can't sell Workers' Comp policies to ND-based employers.

Find out more about Workers' Compensation in North Dakota from the state's Risk Management Division.

Workers' Compensation Insurance: Further Reading

See Workers' Comp Laws Where You Live

800.688.1984 • 8 AM - 5:30 PM M-F
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