--- title: "North Dakota Business Owners Policy: Budget for Flood Outside Mapped Areas" description: "North Dakota DOI warns that flash flooding can affect locations outside floodplains and publishes commercial NFIP limits." canonical: "https://spot.insure/coverage/business-owners-policy/north-dakota" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/business-owners-policy/north-dakota) # North Dakota Business Owners Policy: Budget for Flood Outside Mapped Areas North Dakota DOI says locations outside mapped floodplains can still experience flash flooding and that commercial NFIP coverage can reach $500,000 each for building and contents in participating communities. Ask whether these caps leave a replacement-cost gap, and compare the BOP's flood exclusion, contents limit and business-income terms with separate flood options.[^1][^2] **Coverage:** [Business owner’s policy](/coverage/business-owners-policy) · [North Dakota](/coverage/states/north-dakota) ## What Is Business Owner’S Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [Read the national Business owner’s policy guide](/coverage/business-owners-policy). ## What to Watch for in North Dakota ### Do not use the map as the only flood test The Department says North Dakota experience shows locations outside floodplains can be susceptible to flooding, particularly flash floods. Evaluate drainage, prior water entry and site operations in addition to the mapped zone, then ask for a separate flood quote.[^1] ### Compare NFIP caps with business values The Department lists a $500,000 maximum for commercial building coverage and a separate $500,000 maximum for contents under NFIP. Compare both figures with the structure and business-property schedule; do not assume the BOP fills any difference or covers flood damage.[^1] ### Separate hail protection from flood protection North Dakota DOI describes wind and hail as named causes that may appear in property forms and says standard flood coverage is single-peril flood, not wind or hail. Ask the insurer to identify the BOP's wind and hail terms and quote flood separately rather than expecting either policy to cover both perils.[^2][^1] ## Who Regulates Insurance in North Dakota **North Dakota Insurance Department.** The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms.[^3][^4][^5] - [Regulator website](https://www.insurance.nd.gov/) - [License lookup](https://www.insurance.nd.gov/producers/print-license) - [File a complaint](https://www.insurance.nd.gov/consumers/complaints) - Phone: 701-328-2440 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.[^6][^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for Business owner’s policy; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in North Dakota; [check the regulator’s license lookup](https://www.insurance.nd.gov/producers/print-license) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^11] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^13] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^14] ## Questions to Ask Before You Buy in North Dakota 1. Does your location's flood assessment include flash flooding and drainage beyond the FEMA mapped floodplain? 2. Do the proposed flood building and contents limits match your replacement estimate and inventory, given the NFIP's separate $500,000 commercial caps? 3. Which form covers wind and hail, and what separate deductible or exclusion applies compared with flood? ## Business Owner’S Policy in North Dakota: FAQ ### Can a North Dakota business need flood insurance outside a mapped floodplain? The North Dakota Insurance Department says locations outside the floodplain can still be susceptible to flooding, especially flash flooding. NFIP flood policies are available for commercial structures in participating communities; check the address and terms.[^1] ### What are the North Dakota page's NFIP commercial limits? The Department lists up to $500,000 for a commercial building and up to $500,000 for contents. Ask whether those amounts fit your exposure and compare any separate excess or private flood option.[^1] ## Business Owner’S Policy in Other States - [Alabama](/coverage/business-owners-policy/alabama) - [Alaska](/coverage/business-owners-policy/alaska) - [Arizona](/coverage/business-owners-policy/arizona) - [Arkansas](/coverage/business-owners-policy/arkansas) - [California](/coverage/business-owners-policy/california) - [Colorado](/coverage/business-owners-policy/colorado) - [Connecticut](/coverage/business-owners-policy/connecticut) - [Delaware](/coverage/business-owners-policy/delaware) - [District of Columbia](/coverage/business-owners-policy/district-of-columbia) - [Florida](/coverage/business-owners-policy/florida) - [Georgia](/coverage/business-owners-policy/georgia) - [Hawaii](/coverage/business-owners-policy/hawaii) - [Idaho](/coverage/business-owners-policy/idaho) - [Illinois](/coverage/business-owners-policy/illinois) - [Indiana](/coverage/business-owners-policy/indiana) - [Iowa](/coverage/business-owners-policy/iowa) - [Kansas](/coverage/business-owners-policy/kansas) - [Kentucky](/coverage/business-owners-policy/kentucky) - [Louisiana](/coverage/business-owners-policy/louisiana) - [Maine](/coverage/business-owners-policy/maine) - [Maryland](/coverage/business-owners-policy/maryland) - [Massachusetts](/coverage/business-owners-policy/massachusetts) - [Michigan](/coverage/business-owners-policy/michigan) - [Minnesota](/coverage/business-owners-policy/minnesota) - [Mississippi](/coverage/business-owners-policy/mississippi) - [Missouri](/coverage/business-owners-policy/missouri) - [Montana](/coverage/business-owners-policy/montana) - [Nebraska](/coverage/business-owners-policy/nebraska) - [Nevada](/coverage/business-owners-policy/nevada) - [New Hampshire](/coverage/business-owners-policy/new-hampshire) - [New Jersey](/coverage/business-owners-policy/new-jersey) - [New Mexico](/coverage/business-owners-policy/new-mexico) - [New York](/coverage/business-owners-policy/new-york) - [North Carolina](/coverage/business-owners-policy/north-carolina) - [Ohio](/coverage/business-owners-policy/ohio) - [Oklahoma](/coverage/business-owners-policy/oklahoma) - [Oregon](/coverage/business-owners-policy/oregon) - [Pennsylvania](/coverage/business-owners-policy/pennsylvania) - [Rhode Island](/coverage/business-owners-policy/rhode-island) - [South Carolina](/coverage/business-owners-policy/south-carolina) - [South Dakota](/coverage/business-owners-policy/south-dakota) - [Tennessee](/coverage/business-owners-policy/tennessee) - [Texas](/coverage/business-owners-policy/texas) - [Utah](/coverage/business-owners-policy/utah) - [Vermont](/coverage/business-owners-policy/vermont) - [Virginia](/coverage/business-owners-policy/virginia) - [Washington](/coverage/business-owners-policy/washington) - [West Virginia](/coverage/business-owners-policy/west-virginia) - [Wisconsin](/coverage/business-owners-policy/wisconsin) - [Wyoming](/coverage/business-owners-policy/wyoming) [Other Coverage in North Dakota](/coverage/states/north-dakota) ## Sources [^1]: [Flood](https://www.insurance.nd.gov/consumers/insurance/flood) — North Dakota Insurance Department; Myths, limits and purchase sections: flash flood outside mapped floodplain, commercial eligibility and $500,000 building/contents caps. Accessed 2026-09-28. [^2]: [Business](https://www.insurance.nd.gov/consumers/insurance/business) — North Dakota Insurance Department; Property-form definitions: named-peril basic/broad versus special form; flood section says commercial policy flood gap and optional additions. Accessed 2026-09-28. [^3]: [North Dakota Insurance Department](https://www.insurance.nd.gov/) — North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance.. Accessed 2026-09-28. [^4]: [Print License / Search for an Agent](https://www.insurance.nd.gov/producers/print-license) — North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date.. Accessed 2026-09-28. [^5]: [Complaints](https://www.insurance.nd.gov/consumers/complaints) — North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form.. Accessed 2026-09-28. [^6]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/surplus-lines) — North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status.. Accessed 2026-09-28. [^7]: [N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance](https://ndlegis.gov/cencode/t26-1c44.html) — North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements.. Accessed 2026-09-28. [^8]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/surplus-lines) — North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds.. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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