Commercial insurance for ND & MN businesses — built around how you actually operate.

Core protection against third-party bodily injury and property damage claims — required by most commercial leases and contracts.

Covers third-party injuries on your premises or caused by your operations — medical costs, legal defense, and settlements.

Covers damage your business causes to someone else's property — in the field, on a job site, or at a client's location.

Covers libel, slander, wrongful eviction, and other non-physical claims that arise from your business operations or advertising.

General liability and commercial property bundled into one policy — typically at a lower combined premium than buying each separately.

General liability and commercial property combined in one policy — typically at a lower combined cost than buying the coverages separately.

Loss of income coverage built into most BOP packages — protecting your revenue stream while you recover from a covered property loss.

Endorsements to add coverage for your specific industry, operations, and risk exposures — building a complete program on a BOP foundation.

Buildings, equipment, and inventory covered against fire, theft, wind, and other losses — reviewed alongside your liability program.

Owned or leased buildings, improvements and betterments, and permanently attached fixtures — covered at replacement cost.

Machinery, tools, technology, and specialized equipment — the operational core your business cannot function without.

Stock, raw materials, and finished goods — protected against fire, theft, and other covered losses wherever they're stored.

Required by law in North Dakota for any business with employees. Coverage that meets state requirements without overpaying.

Medical treatment, rehabilitation, and ongoing care for injured workers — paid by the policy, not by the employee.

Lost wages while the employee recovers and returns to work — replacing a portion of their income during the recovery period.

Protection against lawsuits arising from workplace injuries — the Part B coverage that protects your business when an employee pursues legal action.

Insure your entire vehicle fleet — from a single work truck to 50 vehicles — under one commercial auto policy.

Company cars, trucks, vans — liability and physical damage coverage for every vehicle titled in the business name.

Employee-owned vehicles used for business errands and rental vehicles rented in the company name — gaps that surprise businesses after a claim.

Multiple vehicles, driver schedules, and DOT-regulated operators — structured fleet programs for businesses with significant vehicle exposure.

Errors & omissions coverage for professionals whose advice or services could lead to client losses — even when you did nothing wrong.

Claims arising from advice, recommendations, or consulting services — when a client says your professional guidance caused them a financial loss.

Mistakes, oversights, or failures to deliver agreed-upon services — including errors by employees acting on your behalf.

Legal defense even for claims that are ultimately found groundless — because defending a frivolous claim is expensive whether or not you did anything wrong.

Excess liability above your GL, auto, and workers' comp limits — essential when your business has meaningful assets to protect.

Adds $1M to $10M or more in additional liability coverage above your base policies — for a fraction of what those base limits cost per million.

Follows GL, commercial auto, and workers' comp automatically — without requiring separate claims handling for each underlying policy.

Satisfies higher limit requirements in commercial leases, construction contracts, vendor agreements, and other business contracts.