Workers' Comp Insurance for Trucking Businesses in North Dakota
Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims in North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.
North Dakota requirements for trucking businesses
When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.
Sole proprietors: Sole proprietors are exempt unless they elect.
Owner / officer exclusion: Officers and LLC members may be excluded.
⚠️ North Dakota is a monopolistic state
All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Trucking class codes used in North Dakota
Why trucking workers' comp is tricky in North Dakota
Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.
Tips for North Dakota trucking companies
- ✓ Local vs long-haul = different rates; document operating radius
- ✓ Driver qualification files are required for renewal — keep them current
- ✓ Pay-as-you-go aligns premium with seasonal freight cycles
- ✓ Owner-operators may be exempt depending on state
Get a North Dakota trucking workers' comp quote in 60 seconds
We're licensed in North Dakota and work with carriers that actively want trucking companies accounts. Quote takes one minute.
Get My Quote →Trucking workers' comp in other states
Rates and requirements for trucking companies vary widely by state. Compare North Dakota to other major markets:
Other industries in North Dakota
North Dakota workers' comp rates and requirements for other common industries:
More North Dakota workers' comp resources
- → North Dakota workers' comp overview — full state requirements, exemptions, average rates
- → Trucking workers' comp (all states) — industry deep-dive
- → Cost calculator — estimate annual premium by class code
- → EMR calculator — experience modification rating
- → COI generator — same-day certificate of insurance
- → Workers' comp audit disputes — recover overpaid premium
- → 1099 vs. employee classification — avoid back-premium penalties