Business Insurance in North Dakota

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What are the requirements for small business insurance in North Dakota?

State laws can affect which insurance policies you need for your small business. These policies are required for North Dakota businesses.
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Workers' compensation insurance

North Dakota law requires all employers to purchase workers' compensation insurance for their employees (part-time, full-time, seasonal, or otherwise) prior to hiring. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

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

North Dakota’s commercial auto insurance requirements 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

Recommended insurance policies for small businesses in North Dakota

Looking for different coverage? See more policies.

How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in North Dakota business insurance

In North Dakota, insurance agents, agencies, 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.

What our customers are saying
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
Ben Warga
Customer since 2016
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