North Dakota commercial insurance guide: the monopolistic workers' comp system (lowest rates in the US), WSI compliance, and commercial auto requirements.
State Guides | 7 min read | 2026-03-15
Thinking of doing business in North Dakota? The state boasts the nation's cheapest workers' compensation rates, but there's a catch: it's a monopolistic system. This guide will walk you through the essentials of securing coverage from Workforce Safety & Insurance (WSI) and complying with the…
North Dakota holds the title for the most affordable workers' compensation in the United States, with a median rate of just $0.50 per $100 of payroll. According to the 2024 Oregon DCBS Premium Rate Ranking Study, this places North Dakota at rank 51 out of 51, making its rates an astonishing 54% below the national median. For businesses, especially those in high-risk sectors like energy and…
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