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North Dakota Contractors Insurance

With unparalleled access to the nation's top construction risk programs, our North Dakota Contractors' Insurance packages protect against unforeseen business claims –

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

No matter how you look at it, the construction industry is covered from top to bottom with liability exposures. Hazardous tools and equipment, extreme heat, falling from rooftops or ladders, and electric shock are all significant risks that can leave workers with severe injuries or ongoing health issues. An unexpected lawsuit can wipe out a small business, leaving its vulnerable owners in financial ruin.

A formidable commercial insurance package will protect your business assets against third-party action at all hours of the day.

Protect Against the Unpredictable

All contractors planning to operate in North Dakota are encouraged to visit the North Dakota Secretary of State about specific mandates, required documentation, and fees before the commencement of operations.

With low rates that fit any budget, our licensed specialists are standing by to assist North Dakota contractors in obtaining an affordable commercial insurance package that best protects your business around the clock.

Our Recommended Products

General Liability

North Dakota contractors’ general liability is a crucial component of a well-structured commercial insurance portfolio.

North Dakota contractor general liability insurance — also known as a North Dakota contractors’ business liability policy — safeguards construction companies against third-party lawsuits from bodily injury or property damage.

North Dakota contractors’ general liability provides coverage for:

  • Bodily Injury
  • Property Damage
  • Personal Injury
  • Advertising Injury
  • Contractual Liability
  • Products-Completed Operations
  • Defense Costs
  • And More

Workers' Comp

North Dakota is a state that uses a monopolistic state fund to provide contractors’ workers’ compensation insurance to employers.

We encourage all employers to visit the North Dakota Workforce Safety & Insurance website to verify North Dakota contractors’ workers’ comp requirements and regulations.

Surety Bonds

Depending on jurisdiction and trade, a North Dakota contractor bond may be required to obtain a license.

A North Dakota contractors’ bond is a surety product that protects consumers from financial harm caused by businesses that fail to comply with local, state, and federal laws and regulations.

North Dakota contractors’ surety bonds are a financial guarantee to one party if the other party fails to meet the awarded contract obligations.

Commercial Auto

North Dakota contractors’ commercial auto insurance is a liability and physical damage protection product for business vehicles.

A North Dakota contractors’ commercial auto policy protects against financial liability caused by damaged vehicles and injured occupants of an accident.

North Dakota contractors’ commercial auto insurance covers business vehicles damaged from theft or vandalism.

North Dakota contractors’ commercial auto insurance provides coverage for:

  • Bodily Injury
  • Property Damage
  • Comprehensive Damage
  • Collision Damage
  • Uninsured Motorist
  • Underinsured Motorist
  • Hired & Non-Owned Auto
  • Medical Payments
  • And More

Inland Marine

North Dakota contractor inland marine insurance provides business coverage for tools, products, materials, and equipment at a job site, transported, or off-site storage.

North Dakota contractor tool and equipment insurance cover such common perils:

  • Wind Damage
  • Hail Damage
  • Fire Damage
  • Water Damage

A North Dakota contractors’ tools and equipment policy protects against theft, lost items, vandalism, breakage, and damaged leased or rented equipment.

A North Dakota contractor inland marine policy can provide “installation” and “builders” risk coverage.


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