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Technology Business Insurance in South Dakota

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What are the insurance requirements for technology businesses in South Dakota?

State laws can affect which policies you need for your technology business. These policies are required for South Dakota businesses.
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Workers' compensation insurance

South Dakota state law requires technology businesses that have employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in South Dakota must be covered by commercial auto insurance. 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

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.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small South Dakota tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for South Dakota technology professionals

Our agents are experts in insurance for South Dakota technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed in South Dakota by the Department of Labor's Division of Insurance as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 10012461). You can verify our licensure with the Sircon Corp. Verification System by selecting South Dakota, agency, and then entering our state license number.

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