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North Dakota's Workers' Compensation law, with limited exceptions, requires all employers to insure all employees including full-time, part-time, seasonal, and occasional workers before employees begin working. It is unlawful to deduct any portion of the premium from wages or salary of any employee.

North Dakota employers with any employee(s) are required by law to purchase workers' compensation insurance. This includes seasonal, occasional, part-time, and full-time employees. Sole-Proprietors and Partners are automatically excluded from workers' compensation coverage, but they can elect to be covered on a policy.

How do I apply for workers' compensation benefits? Applying for workers' compensation benefits can be completed in a few different ways. You can complete a First Report of Injury (FROI) online. You can also fax a completed FROI to WSI at 701-328-3820 or 888-786-8695 or mail it to PO Box 5585, Bismarck, ND 58506-5585.

How much does workers' compensation insurance cost in North Dakota? Estimated employer rates for workers' compensation in North Dakota are $1.14 per $100 in covered payroll.

The four monopolistic states are Ohio, Wyoming, Washington, and North Dakota. They are called monopolistic states because they bar the sale of workers compensation insurance by private insurers. In these states, employers must buy workers comp insurance from an insurance fund operated by the state.

What Is a Monopolistic State? Every state can have different workers' compensation (WC) requirements. Monopolistic states require employers to purchase state fund workers' comp coverage. In these states, buying workers' compensation from private insurers is not allowed.