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ND — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in North Dakota.

Powering the Peace Garden State's economy with the right coverage.

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From the oil fields of the Bakken Shale to the fertile farms of the Red River Valley, North Dakota's economy is booming. Whether you're in Fargo, Bismarck, or Minot, RISKX provides commercial insurance solutions tailored to the state's unique industries and regulatory landscape, ensuring your business is protected.

Key Industries in North Dakota

Oil & Gas ExtractionAgriculture & FarmingConstructionHealthcareTransportation & TruckingWholesale Trade

Workers' Compensation in North Dakota: Required

North Dakota is a monopolistic state, meaning employers must secure workers' compensation coverage through the state-funded Workforce Safety & Insurance (WSI). Coverage is mandatory for nearly all employers with one or more employees, with very limited exceptions.

North Dakota Regulatory Notes

Workers' compensation is mandatory and must be purchased exclusively from the state's monopolistic fund (WSI).

Commercial auto policies must include Personal Injury Protection (PIP) due to the state's no-fault laws.

Uninsured and underinsured motorist (UM/UIM) coverage is required on all commercial auto policies.

The state has a strong agricultural economy, creating specific risks and insurance needs for farms and agribusiness.

Workers' Comp Rate Details — North Dakota

Index Rate
$0.50
per $100 payroll
National Rank
#51
of 51 jurisdictions
vs. Median
54%
below national median
Required At
1 employee
Low Cost State

Monopolistic State: North Dakota requires employers to purchase workers' comp from the state fund. Private carriers cannot sell WC coverage here. You'll need separate employer's liability (stop-gap) coverage through RISKX.

  • •MONOPOLISTIC STATE — must purchase from North Dakota Workforce Safety & Insurance (WSI)
  • •Cheapest workers' comp rates in the nation
  • •Private carriers cannot sell WC in North Dakota
  • •Employers must separately purchase employer's liability / stop-gap coverage

Penalty for non-compliance: Class A misdemeanor; fines and penalties assessed by WSI

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — North Dakota

Min. BI Liability
25/50
per person/accident ($K)
Min. Property Damage
$25,000
PIP Required
Yes
No-Fault State
Yes

No-Fault State: North Dakota uses a no-fault auto insurance system. Personal Injury Protection (PIP) covers your own injuries regardless of fault. This affects how commercial auto claims are handled and may require additional coverage.

  • •No-fault state
  • •PIP ($30K) and UM/UIM required

Regulatory Overview — North Dakota

Key Facts

  • •Cheapest workers' comp rates in the nation — 54% below the national median
  • •Monopolistic state: must buy WC from the state fund (WSI)
  • •Private carriers cannot sell workers' comp here
  • •Need separate employer's liability / stop-gap coverage
  • •No-fault auto state with PIP and UM/UIM requirements
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North Dakota Insurance FAQ

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