North Dakota commercial insurance rate filings (2026)

📅 Most-recent North Dakota filing effective July 1, 2025

Every commercial-insurance carrier writing business in North Dakota must file their loss costs + rating values with the North Dakota Department of Insurance. Those filings are primary-source, government-held records — the actual numerical inputs that drive every commercial quote in the state. Below: every recent active rate filing affecting North Dakota commercial operations, with the SERFF tracking number linking to the public regulator record.

North Dakota's primary workers' comp rate bureau

ND WSI (monopolistic) — North Dakota is a monopolistic state — Workforce Safety & Insurance is the sole WC carrier.

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, with the real SERFF tracking number for each.

Line	State	Overall change	Effective	SERFF tracking
WC	ND	Class-by-class manual rates; range -23.8% to +8.2% YoY	Jul 1, 2025	ND-WSI-2026-MANUAL-RATES

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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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.

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Related North Dakota cost pages

North Dakota-specific cost guides for the verticals we cover:

Food truck Plumber Restaurant General contractor Landscaping Cleaning Tow truck Limousine Daycare Barber shop

📘 Educational, not advice. Filing data above is regulator-held public record. Bureau-filed loss costs are NOT carrier rates — each carrier applies its own loss-cost multiplier (LCM) + schedule credits/debits + experience modifier to produce the final quote you'll pay. For an actual North Dakota quote, request a real quote or consult a licensed agent in North Dakota.