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Business Insurance
Working with Nodak Insurance Company is one of the best decisions you can make. Our 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.
  • 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

Broaden your protection with the following coverage:
  • 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
  • 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
Talk to your Nodak Insurance agent about other businesses we insure.

Additional business coverage available for:
  • Contractors equipment
  • Builders risk
  • Installation
  • Bonding
  • Property
  • Auto
  • Excess liability
Nodak Insurance Company provides free identity theft protection when you have a businessowners policy with us. Click here for more information or contact your Nodak Insurance agent.
Is your business prepared for a data breach?
Data breaches are emerging as a common threat to businesses, making it more important than ever for companies to take proactive steps to safeguard their customers' information. That's why Nodak Insurance Company has partnered with CyberScout to provide you with our latest innovative offering, Data Breach Coverage. Our offering includes pre and post-breach services to help minimize the occurrence of a privacy breach and provide expert assistance should one occur.
Privacy Breach Coverage for Commercial Policyholders
Data Risk Learning Management System (LMS) - On-demand, web-based training platform on important privacy breach issues such as Compliance, Data Security, and Privacy
Incidence Response Plan - Access to a customizable data breach incident response plan template, essential to minimizing the impact and potential fallout of a data breach
Crisis Management - Time-saving professional service to guide you in handling a breach
Notification Assistance - Assistance in preparing notification to impacted individuals that comply with regulatory requirements
Media Relations Consulting Consulting - Public relations assistance to help restore your business' reputation
In the unfortunate event of a breach, CyberScout's experts are ready to help you quickly develop a clear breach response strategy and incident management plan. They assess breach severity, advise on notification and regulatory requirements, and assist with media relations. Based on the loss incident and data exposure risk, CyberScout can also help determine the need for call handling and remediation alternatives to alert victims to potential problems and aid the early resolution of identity fraud.
CyberScout can provide the following additional services to assist you with a breach:
  • Notification letter preparation, printing and mailing
  • Toll free number to CyberScout's Resolution Center
  • Call handling
  • Credit monitoring and fraud alerts
  • Fraud resolution services
  • Investigative and forensic services
This endorsement provides $10,000 in coverage at no additional charge. Insureds also have the option to increase limits to $25,000, $50,000, or $100,000 for additional premium.
Our new Data Breach Coverage is the right solution to help safeguard your customers. If a breach occurs, you have the peace of mind of knowing you have the coverage needed to pay for certain response expenses and the confidence that support services are available to help you quickly restore your customers' trust and business reputation.
Our Commercial Equipment Breakdown Insurance covers a range of potential exposures. Click here for more information or contact your Nodak Insurance agent.

Find an Agent

Nodak Insurance Company

1101 1st Ave N
Fargo, ND 58102