North Dakota

To obtain coverage, print and complete an Enrollment Form and mail along with premium amount made payable to RISC.  If you are a new licensee enrolling after the original renewal period, please refer to the Prorated Premium Chart to determine the correct premium amount.

2012 Insurance for Individual Licensees

Enrollment Form (Prorated):   Please use this form if you are an individual (rather than a firm) licensee and want to purchase insurance through the group program.

Reinstatement Form:   Individual (rather than firm) licensees who want to request an effective date in a month prior to the date of purchasing insurance through the group program must use this form.  If approved, the effective date may be backdated up to 90 days.  Please note that backdating the effective date of your insurance does not cure any failure to comply with the state’s mandatory insurance requirements.

Endorsement Request Form for Current Insureds:   Individual (rather than firm) licensees who have purchased insurance through the current group program and wish to add an endorsement(s) to their existing policy must use this form.

IMPORTANT NOTICE:

If your previous coverage expired January 1, you should request an effective date of January 1. This will ensure that you maintain continuous coverage. Otherwise, you will have a break in coverage and lose any previously established Retroactive Date (for prior acts coverage). If you do not have continuous coverage, your new Retroactive Date will be the effective date of your new coverage.  In addition, if you have a break in coverage and are not covered during a period that your license is active, you will not comply with the licensing requirements for your state and your license may be placed inactive and/or other action may be taken against your license. 

If you discover that you have missed timely renewal, you may qualify for reinstatement of your coverage for 90 days after your coverage has expired.  If you would like to reinstate coverage to the inception date of the current group policy within the 90-day period (1/1 - 3/31), you may send your premium payment via check or money order in the mail with a Reinstatement Form. Reinstatement will eliminate a break in coverage and loss of your Retroactive Date.  

If you would like to backdate coverage a maximum of 90 days after the 90-day reinstatement period has passed, please refer to the Prorated Premium Chart to determine the correct amount to send with your Reinstatement Form.  This will avoid a break in coverage and loss of your retroactive date.  However, this procedure does not impact the licensee's failure to comply with the mandatory insurance guidelines established by the Commission and you may still be subject to penalties and fines.  Always pay your premium on time to avoid a break in coverage and to protect yourself from uncovered claims and noncompliance with licensing requirements.