Workers' comp in North Dakota.
In North Dakota, workers' comp is bought from the state fund, Workforce Safety & Insurance (WSI); private carriers don't sell it. North Dakota requires workers' comp from the first employee.
- REQUIRED
- From the first employee
- RATING BUREAU
- The state fund
- CLASS CODES
- Own system
Required from the first employee.
The rule
North Dakota requires workers' comp from the first employee. North Dakota's rule: coverage must be in place before the first employee starts; covers full-time, part-time, seasonal and occasional workers.
Source: North Dakota Workforce Safety & Insurance, Coverage Requirements, checked October 5, 2026.
Coverage rules: North Dakota Workforce Safety & Insurance, Coverage Requirements, checked October 5, 2026.
The state fund, Workforce Safety & Insurance (WSI), uses its own classes.
Rating bureau
The state fund, Workforce Safety & Insurance (WSI), sets classes and rates.
Class system
141 classes unique to North Dakota: clerical office, for one, is 8805.
Manual: WSI 2026 Classification Manual, effective July 1, 2026
Codes on our pages
North Dakota uses its own classes; where a number matches a code on our class code pages, the state's class applies, not NCCI's.
List: WSI 2026 Classification Manual, effective July 1, 2026, checked October 5, 2026.
COMMON QUESTIONS
- Do I need workers' comp in North Dakota?
- Yes. North Dakota requires workers' comp from the first employee. North Dakota's rule: coverage must be in place before the first employee starts; covers full-time, part-time, seasonal and occasional workers.
- How do I get coverage in North Dakota?
- From the state fund, Workforce Safety & Insurance (WSI): private carriers don't sell workers' comp in North Dakota. Workforce Safety & Insurance (WSI) for employers
- Who sets class codes in North Dakota?
- The state fund, Workforce Safety & Insurance (WSI). 141 classes unique to North Dakota: clerical office, for one, is 8805.
SOURCES
- North Dakota Workforce Safety & Insurance, Coverage RequirementsWho must carry it, coverage rules, checked October 5, 2026.
- WSI, Premium information: classification & ratesRating bureau, class system, checked October 5, 2026.
- WSI 2026 Classification Manual, effective July 1, 2026Class codes, checked October 5, 2026.
Figures as of October 5, 2026.
For planning, not a classification ruling. The state fund sets your class and rate.