Small Business Insurance in North Dakota

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.