Business Insurance in North Dakota

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Learn about North Dakota's insurance requirements

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Recommended insurance policies for small businesses in North Dakota

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General liability insurance

This type of business liability insurance is important for all North Dakota businesses. A general liability policy covers common third-party risks, and it's required by most commercial leases.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects North Dakota businesses that provide professional services or advice. It covers lawsuits related to work performance.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for North Dakota businesses that handle credit card numbers and other sensitive data.

  • Customer notification expenses
  • Fraud monitoring services
  • Data recovery costs
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Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a North Dakota business.

  • Customer bodily injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for North Dakota businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Physical and occupational therapy
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in North Dakota. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

  • Accidents involving business vehicles
  • Theft of a commercial vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

North Dakota business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in North Dakota, from Bismarck to Fargo.

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Workers' compensation insurance

North Dakota state law requires all employers to purchase workers' compensation insurance for their employees prior to hiring. That includes part-time, full-time, seasonal, and occasional workers.

North Dakota is one of four states that operates a monopolistic state fund for workers' compensation. That means employers cannot buy workers' comp from private insurers, only from the state fund administered by the North Dakota Workforce Safety & Insurance (WSI).

Workers' comp covers the cost of medical bills and provides disability benefits for North Dakota workers who are injured on the job or who develop an occupational disease.

Policies purchased through the state fund do not include employer's liability insurance coverage, which provides financial protection against employee injury lawsuits. However, you can still purchase it through a private insurance provider as stop gap coverage.

Blue check mark

Commercial auto insurance

All business-owned vehicles in North Dakota must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

North Dakota’s minimum requirements for auto liability insurance are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident
  • Personal injury protection: $30,000 per person

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance (CGL) or a business owner's policy (BOP).

How much does small business insurance cost?

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Commercial insurance can be affordable for North Dakota small business owners. Factors that influence the cost include:

  • Type of business and its risks
  • Business operations and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill North Dakota's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In North Dakota, insurance agencies, agents, and brokers are licensed by the North Dakota Insurance Department. Insureon is licensed in North Dakota as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 2000003458). Verify our licensure with the National Association of Insurance Commissioners: select North Dakota, licensee, business entity, and then enter our NPN or license number.

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