Does a WSI policy protect me if an employee sues me? 

No. A WSI policy pays benefits to your injured worker. A claim from a work-related injury that workers’ compensation does not cover falls under employer’s liability, which in North Dakota is generally written as an endorsement to your general liability policy. Agents often call it stop gap coverage. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.