Directory · North Dakota · Workers' compensation

Who writes workers' compensation in North Dakota

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Workforce Safety & Insurance of Nd wrote the most workers' compensation in North Dakota in 2025, $205.0M and 97.8% of the state's premium; the top five groups hold 99%. North Dakota's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the North Dakota page.

By Sam Alishahi, independent insurance broker · All lines in North Dakota

Top 10 · NAIC table: 16 - Workers Compensation

The insurer groups that write the most workers' compensation in North Dakota

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	Workforce Safety & Insurance of Nd	$205.0M	97.85%	63%	—
2	Zurich Insurance Group	$1.3M	0.61%	—	Zurich American Insurance Company, Rural Community Insurance Company, American Zurich Insurance Company, American Guarantee and Liability Insurance Company
3	Chubb Ltd Group	$734,000	0.35%	—	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
4	Liberty Mutual Group	$579,000	0.28%	—	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5	Hartford Fire & Casualty Group	$488,000	0.23%	92%	Hartford Fire Insurance Company, Hartford Underwriters Insurance Company, Hartford Casualty Insurance Company, Twin City Fire Insurance Company (The)
6	American International Group	$386,000	0.18%	—	National Union Fire Insurance Company of Pittsburgh, Pennsylvania, AIG Property Casualty Company, Lexington Insurance Company, AIU Insurance Company
7	Amtrust Financial Serv Group	$293,000	0.14%	12%	Wesco Insurance Company, Technology Insurance Company, Inc., Security National Insurance Company, AmTrust Insurance Company
8	ACUITY, A Mutual Insurance Company	$248,000	0.12%	—	—
9	Starr Group	$159,000	0.08%	—	STARR INDEMNITY \u0026 LIABILITY COMPANY, Starr Surplus Lines Insurance Company, Starr Specialty Insurance Company
10	Cna Insurance Group	$140,000	0.07%	54%	Continental Casualty Company, Continental Insurance Company, (The), American Casualty Company of Reading, Pennsylvania, National Fire Insurance Company of Hartford

Turned down?

Last resort for workers' compensation in North Dakota

Last resort	Lines	Where	How to get in
Workers' comp residual markets	workers' comp	NCCI pools in 27 jurisdictions; monopolistic state funds in ND, OH, WA, WY; CA State Compensation Insurance Fund is the statutory last resort	NCCI online application (ACORD 130 and 133); NCCI's VCAP flags voluntary carriers interested in the risk; NC and MA use their own systems Texas has no residual market (coverage is optional for most Texas employers).	Source
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the North Dakota insurance regulator company list, read 2026-10-18. ND Insurance Department 2024 Statistical Report, 'State Page Data for Licensed [Non-]Domiciled Health/Life/Property/Title Insurance Companies as of December 31, 2024'. Every licensed company with an NAIC code; type is the report section (Health, Life, Property & Casualty = the 'Property' auto + fire/multi-peril sections, Title; joined with '; ' when a company appears in more than one). domicile is 'ND' for the domiciled sections and blank (unknown) otherwise. The report carries no certificate-of-authority lines, only premiums by line group, so lines is always []. The 9 ND county mutuals (no NAIC code) are appended with type 'County Mutual' and since = year admitted to ND. North Dakota publishes no surplus lines eligibility list. Section counts: Health domiciled 2 (report 2); Health non-domiciled 65 (report 65); Life domiciled 3 (report 3); Life non-domiciled 406 (report 406); Property domiciled 13 (report 13); Property non-domiciled 826 (report 826); Property domiciled 13 (report 13); Property non-domiciled 826 (report 826); Title non-domiciled 18 (report 18); County Mutual 9 (report 9). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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