When it comes to workers’ compensation insurance, North Dakota is a monopolistic state. Employers may only purchase coverage through the state’s Workforce Safety & Insurance Division. Despite this, rates in this state are rather competitive when compared to other states.
In this state, every type of job is assigned a base rate for workers’ compensation coverage.
Let's look at the base rates per every $100 of employee payroll for a few different kinds of occupations in North Dakota:
- Oil and gas operations: $2.46
- Tree trimmers/removers/pruners: $4.95
- Plumbing contractors: $2.30
- Roofers: $9.46
- Retail store workers: $0.82
- Clerical/office employees: $0.23
- Restaurant workers: $0.85
As you can see, workers’ comp rates are higher for jobs that have a high risk of employee injuries. The quoted cost for your business will be based primarily on the number of workers you employ, the kinds of jobs they do, and how much they are paid.