North Dakota commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in North Dakota files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in North Dakota. This page summarizes the 1 active filings we track for North Dakota across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in North Dakota
North Dakota runs a monopolistic Workers' Comp market. Coverage is available only through Workforce Safety & Insurance (WSI). Rate filings are reviewed by the North Dakota Insurance Department. The governing authority is NDCC Title 26.1 (Insurance) · NDCC Title 65 (Workforce Safety and Insurance). You can confirm any North Dakota carrier or agent is licensed with the state's license-lookup tool. We track 1 distinct classification(s) for North Dakota across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two North Dakota businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines we track are Workers Compensation. The most-recent North Dakota filing we track is effective July 2025. Every row below links to the filing it was taken from so the North Dakota regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for North Dakota employees injured on the job — mandatory in North Dakota once you have staff.
In North Dakota, Commercial General Liability carriers earned about $261M in premiums at a 55.4% loss ratio and a 9.6% underwriting profit (NAIC 2023). In North Dakota, Commercial Multiple Peril carriers earned about $195M in premiums at a 56.9% loss ratio and a 3.1% underwriting profit (NAIC 2023). In North Dakota, Inland Marine carriers earned about $115M in premiums at a 57.9% loss ratio and a 6.2% underwriting profit (NAIC 2023). In North Dakota, Commercial Auto carriers earned about $112M in premiums at a 53.1% loss ratio and a 16.2% underwriting profit (NAIC 2023). In North Dakota, Commercial Property carriers earned about $69M in premiums at a 40.1% loss ratio and a 33.3% underwriting profit (NAIC 2023). In North Dakota, Product Liability carriers earned about $18M in premiums at a 61.8% loss ratio and a -1.6% underwriting profit (NAIC 2023). In North Dakota, Medical Professional Liability carriers earned about $11M in premiums at a 86% loss ratio and a -37.1% underwriting profit (NAIC 2023). In North Dakota, Workers Compensation carriers earned about $6M in premiums at a 72.8% loss ratio and a -20.4% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in North Dakota, beyond the filed loss costs above.
- North Dakota rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual North Dakota premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | ND | Class-by-class manual rates; range -23.8% to +8.2% YoY | Jul 1, 2025 | Filing #ND-WSI-MR-2025-26 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Who writes commercial coverage in North Dakota
60 carrier groups have an active filing footprint across 126 lines of insurance in North Dakota (25,643 filings observed in the state's public SERFF record). Most active by volume: Hartford, Liberty Mutual, Nationwide, Berkley, AmTrust, CNA.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
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Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free North Dakota quote in under 90 seconds.
Get a free North Dakota quote →Related North Dakota cost pages
North Dakota-specific cost guides for the verticals we cover:
North Dakota insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in North Dakota — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →