Business Insurance in South Dakota

With some exceptions, South Dakota state law requires businesses with any number of employees, full-time or part-time, to carry adequate workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

All business-owned vehicles in South 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.

South 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