Small Business Insurance in South Dakota

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Find Out What You Need in Just Seconds

    Finding out your insurance policies for your South Dakota business shouldn't take hours. Use our online assessment tool to uncover these in just seconds.

  • Get Insurance Advice Exclusively for Your Business

    Business Insurance can be tricky, and without proper guidance, you will be at a loss. Our team of experienced professionals understand SD insurance requirements and will be able to provide you with the most competitive prices.

  • Say Compliant with South Dakota Insurance Requirements

    Dakota businesses are required to carry Workers' Compensation if you have employees and Commercial Auto insurance when you own, operate or lease vehicles for your business operations. We can assist with both in just minutes.

  • Getting Insured Won't Cost an Arm and a Leg

    Building a business is tough. So, we take most of the burden by getting your business covered for as low as $29 per month.

Coverage Plans for All Your Needs

Starting a business in South 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.

BASIC

Essential coverage for your South Dakota business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

Whether you’re looking to satisfy South 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

General Liability insurance takes care of third-party lawsuits. These lawsuits are from anyone who isn't employed by your business. The insurance policy covers third-party lawsuits from bodily injury, property damage, copyright infringement and reputation damage.

Commercial Property

Commercial Property insurance can pay to repair or replace your business property if it is stolen, damaged or destroyed in a fire, natural disaster or even theft. The insurance policy will cover the building (leased, owned, or you work from home), the furniture, fixtures and the things inside the building.

Workers Compensation

This type of insurance offers wage replacement and medical benefits who are injured at work. This, in turn, relinquishes the employees right to sue the employer for negligence. It protects your business from costly lawsuits while assuring that the employee will get the coverage they need in case of illness or injury on the job.

Commercial Auto

Having a commercial vehicle for your business comes with various risks. Commercial Auto insurance covers the cost of repairing or replacing the vehicle in the event of an accident. The insurance also covers medical payments of the drivers and passengers, collision, and insurance for uninsured motorists involved in the accident.

Business Owners Policy

A Business Owners Policy (BOP) offers general protection for the property and liability risks in one package. It simplifies most of the coverages for small and mid-sized businesses by combining property and liability policies under one package.

Errors and Omissions

Errors and Omissions is a type of insurance that protects your business or its workers where you or your employees make mistakes. It helps your business cover court costs and any settlements in the event of an error or omission of the business and your employees.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Why do I need insurance for my South Dakota small business?

Without any insurance, you'll risk lawsuits and medical claims that could put a huge dent in your financial resources. A personal injury lawsuit alone can bankrupt a business.

What types of insurance does my business need in South Dakota?

Every business has unique needs; however, we recommend starting with Workers' Compensation if you have employees and Commercial Auto insurance if you use vehicles for your business operations. A General Liability insurance is highly recommended as well, as it covers most incidents in one policy.

What limits should I carry on my General Liability insurance in South Dakota?

It depends on the type of business, but we recommend you carry around $1,000 to $2,000 per incident.

What do I need to get an insurance quote in South Dakota?

Insurance companies require your business license and you must have completed all your applications. Most insurance companies will require your loss history to get a quote for insurance.

Peace of Mind, At Your Fingertips

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.

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Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

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Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Small Businesses in South Dakota

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:

SBA Office of Sioux Falls, South Dakota

2329 N. Career Ave Suite 105, Sioux Falls, South Dakota, 57107
Mon through Fri from 8:00 AM to 4:30 PM
(605) 330-4243
Visit the website

South Dakota Division of Insurance

124 S Euclid Ave, Pierre, South Dakota, 57501
Mon through Fri from 8:00 AM to 5:00 PM
(605) 773-3563
Visit the website

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