Business insurance, read as one program.
General liability to commercial umbrella: one licensed agent in Fargo holds the whole picture for North Dakota and Minnesota companies.
The program, line by line.
Seven policy lines, each reviewed against how your operation actually runs.
What you could be liable for
Core protection against third-party bodily injury and property damage claims, required by most commercial leases and contracts.
Errors & omissions coverage for professionals whose advice or services could lead to client losses, even when you did nothing wrong.
Excess liability above your GL, auto, and workers' comp limits, essential when your business has meaningful assets to protect.
What you own and what it earns
Buildings, equipment, and inventory covered against fire, theft, wind, and other losses, reviewed alongside your liability program.
General liability and commercial property bundled into one policy, typically at a lower combined premium than buying each separately.
Your people and your vehicles
Required by law in North Dakota for any business with employees. Coverage that meets state requirements without overpaying.
Insure your entire vehicle fleet, from a single work truck to 50 vehicles, under one commercial auto policy.
Find a specific coverage.
Every business coverage on this site, searchable down to the endorsement level.
Built for how your industry operates.
Construction & Trades
Contractors, electricians, plumbers, HVAC, and specialty trades across ND and MN. Liability, workers' comp, and fleet coverage shaped to the trade, not to a template.
Automotive & Mechanical
Dealerships, repair shops, and body shops. Commercial coverage for the particular liability and property risks that come with automotive work.
Professional Services
Consultants, planners, accountants, and service firms, where the real exposure is the advice and the work you deliver.
Small Retail & Service
Owner-operated retail and service businesses across Fargo, Bismarck, Grand Forks, and greater ND and MN. Property, liability, and benefits scaled to the operation.
Other industries are welcome. Fragmented coverage is the qualifier, not the trade you are in.
“Most business owners are carrying gaps they do not know about. Not inside any one policy, in the seams between them.”
The gaps live between the policies.
Your commercial policy has one agent. Your personal lines have another, and your employee benefits may have a third. None of them reads the others' work, so the seams stay open until a claim finds them.
Most coverage problems are not inside one policy. They are in the space between policies nobody reads together.
Where it shows up
The shared pickup
A vehicle that serves the business and the household, sitting on a personal policy that was never told about the business use.
The home office
Equipment and liability the homeowners policy excludes and the commercial policy never picked up.
The umbrella that stops short
A personal umbrella that does not follow the boat on the day it carries clients.
Business insurance questions, answered.
Most ND businesses need at minimum: general liability (required by many commercial leases and contracts), workers' compensation (required by ND state law for businesses with employees), and commercial property if you own or lease a space or have significant equipment. Additional coverages depend on your industry and operations.
Premiums are set by the operation itself: industry, payroll, revenue, property values, claims history, and the limits you choose. Two businesses on the same street can carry very different premiums for good reasons. That is why the starting point here is a review of your actual exposure, not a number quoted before anyone has looked at it.
Yes. North Dakota requires virtually all employers to carry workers' compensation through the North Dakota Workforce Safety & Insurance (WSI) fund. Unlike most states, ND has a monopolistic state fund, private carriers do not compete for workers' comp in ND. In Minnesota, private carriers are allowed.
A BOP bundles general liability and commercial property into one policy, written and reviewed as a single program rather than two unrelated ones. It's a good starting point for small businesses that own or lease commercial space and need both coverages. A BOP doesn't include workers' comp, professional liability, or commercial auto, which may need to be added separately.
Generally, no. Personal auto policies often exclude or limit coverage for vehicles used regularly for business purposes. If you use your personal vehicle to visit clients, haul equipment, or transport employees, you may need a commercial auto endorsement or a separate commercial auto policy to ensure you're covered.
When you have one point of contact who reviews both your commercial and personal coverage, they can identify gaps that exist between the two, a personal umbrella that doesn't extend to watercraft used for client entertainment, a home office that isn't covered by either policy, or a vehicle that's used for both personal and business purposes. These gaps are invisible when two separate agents are working independently.
One conversation closes the seams.
For commercial coverage that lives in more than one place. Licensed in ND & MN · Based in Fargo, ND