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Commercial Auto Insurance in North Dakota

North Dakota requires security for basic no-fault benefits and auto-liability obligations on registered vehicles or vehicles operated here, with basic no-fault benefits capped at $30,000 per person per accident. A household-goods carrier also needs filed, continuously maintained liability proof and annual evidence to keep its permit. 1,2

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

North Dakota Requirements

RequirementDetails
Basic no-fault benefitsUp to $30,000 economic loss per person per accident 1
Common household-goods carrier permitLiability insurance proof filed and kept in force; annual proof required 2

What to Watch for in North Dakota

  • Account for No-Fault Benefits in the Auto Security

    The security required under NDCC ch. 26.1-41 includes basic no-fault benefits as well as liability obligations. Basic benefits cover statutory economic loss without regard to fault up to $30,000 per person per accident, so confirm how the policy identifies this required protection. 1

  • A 30-Day Lay-Up Requires Formal Notice

    For a vehicle that will stay off public roads at least 30 consecutive days, the owner can notify the insurer and request pro-rata suspension or a similar credit without surrendering plates. The vehicle cannot be operated while that suspension is in effect; notify the insurer before dispatch resumes. 1

  • Keep Household-Goods Liability Proof on File

    ND’s common household-goods carrier law requires the liability policy or approved certificate to be filed and kept in force, with proof submitted annually. If required insurance is not maintained, the department cancels the carrier permit. 2

  • Do Not Assume the HHG Statute Sets a Dollar Limit

    Section 39-31-14 requires public-liability insurance but does not state a minimum dollar amount. Ask the Department which current rule or authority condition determines your filing limit; do not substitute a remembered amount from another carrier class. 2

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

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 Commercial auto; 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 the product is available in North Dakota. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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 the policy’s North Dakota security include basic no-fault benefits as well as liability?
  2. If a vehicle is laid up for 30 or more days, what notice and reinstatement date will the insurer record?
  3. What minimum limit does the department currently apply to our household-goods authority, and when is annual proof due?

Commercial Auto in North Dakota: FAQ

How much no-fault coverage does North Dakota require? 1

Basic no-fault benefits are capped at $30,000 per person per accident for statutory economic loss. The state requires vehicle security to include those benefits along with motor-vehicle-liability obligations. 1

What insurance filing keeps a North Dakota household-goods permit active? 2

The carrier must file liability insurance or an approved certificate, keep it in force, and provide proof annually. The statute says the department cancels the permit if the carrier fails to maintain the required insurance. 2

Commercial Auto in Other States

Other Coverage in North Dakota

Sources

  1. NDCC Chapter 26.1-41, Auto Accident Reparations. North Dakota Legislative Branch; §26.1-41-01(2), -02(1)–(6), -03, -06: $30k basic no-fault cap, continuous security scope, self-insurance, 30-day lay-up notice and benefit recipients; current code. Accessed 2026-09-28.
  2. NDCC Chapter 39-31, Common Household Goods Carriers. North Dakota Legislative Branch; §§39-31-01–04, -14: intrastate applicability/permit, filed liability insurance, annual proof, permit cancellation on failure; no dollar minimum in §39-31-14. Accessed 2026-09-28.
  3. North Dakota Insurance Department. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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