This one is an easy decision.

Insure your business with Nodak Insurance Company.

Business Insurance

Insuring your business with Nodak Insurance Company is one of the best business decisions you make.

Nodak Insurance Company agents provide the answers you need to make educated insurance decisions.

Learn about basic business owner's coverage

Learn about basic business owner's coverage

Your business owner's policy covers your building and business property. Plus, it protects you from liability exposures due to injuries and damage caused by your business.

General liability protection includes:

  • Bodily injury and property damage
  • Personal and advertising injury
  • Medical payments
  • Products completed operations
  • Supplemental payments

You're also protected against:

  • Business property damage
  • Building damage
  • Business income/extra expense
  • Outdoor sign damage
  • Employee dishonesty
  • Valuable documents on and off premises
  • Water backup and sump pump overflow
  • Electronic data
  • Forgery or alteration
  • Money & securities
  • Equipment breakdown
  • Accounts receivable

Receive the following coverages at no additional cost:

  • $10,000 - Director's and Officer's Liability (Apartments and Condos Associations)
  • $25,000 - Accounts Receivable On Premises
  • $10,000 - Employee Dishonesty
  • $5,000 - Fire Department Service Charge
  • $5,000 - Fire Extinguisher Recharge Expense
  • $10,000 - Forgery and Alteration
  • $10,000 - Money and Securities On Premises
  • $10,000 - Money and Securities Off Premises
  • $500,000 - Newly Acquired Building
  • $250,000 - Newly Acquired Business Personal Property
  • $100,000 - Newly Acquired Business Income
  • $10,000 - Outdoor Property
  • $5,000 - Personal Effects
  • Included - Signs - Attached to the building
  • $10,000 - Signs - Not attached to the building
  • $5,000 - Spoilage
  • $5,000 - Water Backup and Sump Overflow
  • $300,000 - Damage to Premises Rented to You
  • $2,500 - Utilities Services Direct Damage
  • $10,000 - Data Breach Reimbursement

If you wish to broaden your coverage, for an additional premium the following coverage and/or higher limits are available:

  • Director's & Officer's Liability (Apartments & Condos Associations) - Up to $100,000
  • Accounts Receivable On Premises - $100,000
  • Employee Dishonesty - Up to $100,000
  • Fire Department Service Charge - $10,000
  • Forgery and Alteration - Up to $100,000
  • Money and Securities On Premises - Up to $100,000
  • Money and Securities Off Premises - Up to $25,000
  • Signs - Not attached to the building - Actual Value
  • Spoilage - $50,000 Per Location
  • Food Contamination - $10,000
  • Ordinance or Law Coverage - subject to building value(s)
  • Fine Arts Coverage - $25,000
  • Water Backup and Sump Overflow - Up to $100,000
  • Damage to Premises Rented to You - Up to $1,000,000
  • Additional Data Breach Reimbursement - up to $100,000

Is your business in construction or home services?

Is your business in construction or home services?

Specific coverage is available for these trades:

  • Carpet cleaning
  • Concrete construction
  • Electrical work
  • Landscape gardening
  • Floor covering installation
  • Painting
  • Siding installation
  • Self storage facilities
  • Offices
  • Retail stores
  • Distributors
  • Wholesales
  • Apartments
  • Restaurants and cafes
  • and many others

Additional business coverage available for:

  • Contractors equipment
  • Builders risk
  • Installation
  • Bonding
  • Property
  • Auto
  • Excess liability

Does my policy provide data breach coverage?

Does my policy provide data breach coverage?

Yes, every business owner policy does include Data Breach protection at no additional costs.

A few of our most common questions…

My employees prefer their own tools on the job. Is that covered?

My employees prefer their own tools on the job. Is that covered?

Things like employee tools can be covered under a policy that's specifically for contractors.

Many of my tools "walked away" when an employee left.

Many of my tools "walked away" when an employee left.

Employee dishonesty can be devastating to your business. That's why we include it in all of our Business Owner Policies.

If a fire damages or destroys my business, how will I replace the loss of business income or operating expenses?

If a fire damages or destroys my business, how will I replace the loss of business income or operating expenses?

Damage or destruction to your business can cripple your operation and jeopardize your future. To protect your business and ensure its future, Nodak Insurance Company coverage provides for loss of business income and extra expenses, such as payroll, that might result from a fire.

This website contains only a general description of coverage, and is not a policy contract. Coverage under a Nodak Insurance Company product is subject to terms, conditions and exclusions in the actual policy.