North Dakota
What the North Dakota authorities publish about business insurance, quoted directly, with a link and a date on every answer.
Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the North Dakota Workforce Safety & Insurance — confirm yours there or with a licensed producer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Which North Dakota employers must carry workers’ compensation coverage?
North Dakota Workforce Safety & Insurance states that the law requires all employers to insure all employees including full-time, part-time, seasonal, and occasional workers. WSI publishes the limited exceptions, and the definition of employer it uses, on the same page.
“requires all employers to insure all employees including full-time, part-time, seasonal, and occasional workers”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.