General liability covers common risks for small businesses in North Dakota, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects North Dakota small businesses against data breaches and cyberattacks that affect your business or a client.
This policy bundles property insurance and general liability insurance. It's often the most cost-effective commercial coverage for a North Dakota small business.
North Dakota requires all small businesses that have employees to purchase workers’ compensation insurance. This policy can cover medical costs for work injuries.
This policy is required for vehicles owned by North Dakota small businesses. It covers injuries and property damage in an accident, along with other types of damage.
North Dakota is one of four states that operates a monopolistic state fund for workers' compensation. That means employers cannot buy workers' comp from private insurers, only from the state fund.
Policies purchased through the state fund do not include employer's liability insurance, which provides financial protection against employee injury lawsuits. However, you can still purchase it through a private insurance provider.
Vehicles owned by small businesses in North Dakota must be covered by commercial auto insurance. North Dakota requires:
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.
Our agents are experts in insurance for North Dakota technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the North Dakota Insurance Department 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.