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Starting a business in North Dakota opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your North Dakota business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy North Dakota requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
General Liability Insurance protects your North Dakota business by covering bodily injury or personal injury liability as well as property damage. Coverage extends to include lawsuits like slander and libel along with false or misleading advertisements that can be costly to your business.
Fire, theft, vandalism, or storms can bring your North Dakota business to a halt. Commercial Property Insurance protects your business-owned physical assets, including your building and its contents. Machinery, equipment, supplies, and on-site inventory are covered for many common risks.
North Dakota requires most businesses to carry Workers' Compensation Insurance before they can operate legally within the state. This coverage protects both businesses and employees by paying employee medical expenses, rehabilitation costs, and lost wages due to work-related injury or illness while shielding employers from negligence claims.
Commercial Auto Insurance provides coverage for bodily injury liability and property damage liability. This coverage is required for vehicles used on ND roadways. Optionally, collision and comprehensive coverage protect your North Dakota business by paying for damage to your company vehicles.
Cyber Liability Insurance provides coverage against security-related risks such as data breach, network failure that prevents your business from fulfilling contracts, and liability coverage for risk such as inadvertently transmitting a computer virus. Every North Dakota business that has a computer should consider this coverage.
Particularly important for small businesses, Business Interruption Insurance provides coverage for lost income when disaster strikes your North Dakota business. Risks such as fires, accidents, and storms can bring business to a standstill. This coverage helps by paying for ongoing business expenses like rent and payroll until you can get back to business.
Policies like Workers' Compensation coverage or Commercial Auto Insurance may be required if your North Dakota business has employees or business vehicles. Other coverages protect your business against common risks, like fires, injury liability, and more.
North Dakota requires most businesses with employees to carry Workers' Compensation coverage. Businesses that use highway vehicles are also required to carry Commercial Auto Insurance to provide liability coverage.
North Dakota may impose penalties for businesses that don't carry required coverages. Other risks to your business are financial, leaving your business responsible for covering losses for theft, fire, liability, and other risks.
Automobile Insurance is required for all drivers within North Dakota. Although Commercial Auto Insurance is not mandatory for personal vehicles, personal auto policies may not provide coverage for vehicles used on official business trips.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: