--- title: "General Liability Insurance in North Dakota" description: "North Dakota bars recovery at an equal fault share and generally limits each defendant to its own share, with a concerted-action exception." canonical: "https://spot.insure/coverage/general-liability/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/general-liability/north-dakota) # General Liability Insurance in North Dakota North Dakota bars a claimant whose contributing fault is as great as the combined fault of everyone else who contributed to the injury. When multiple parties contributed, each generally owes only its allocated share, except people who act in concert, aid or encourage the tort, or adopt it for their benefit.[^1] **Coverage:** [General liability](/coverage/general-liability) · [North Dakota](/coverage/states/north-dakota) ## What Is General Liability? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [Read the national General liability guide](/coverage/general-liability). ## What to Watch for in North Dakota ### An Equal Fault Share Bars the Claim Section 32-03.2-02 bars recovery when a claimant’s fault is as great as the combined fault of all other people who contributed to the injury, then reduces any recovery by the claimant’s share. Preserve evidence identifying each actor’s conduct; the comparison includes nonparties who contributed, not only named defendants.[^1] ### Multi-Party Liability Usually Follows Each Party’s Share When two or more parties contributed to an injury, each is generally liable only for damages assigned to that party’s percentage of fault. Parties who act in concert, aid or encourage the tort, or ratify or adopt it for their benefit are jointly liable for damages assigned to their combined fault; ask how the business’s limit would apply if a complaint alleges coordinated conduct.[^1] ### The Six-Year Period Covers Listed Noncontract Claims North Dakota § 28-01-16 gives six years after accrual for listed claims, including injury to a person or rights not otherwise provided for and taking, detaining, or injuring chattels. The period is not a universal deadline for every claim; have counsel identify the claim category and accrual date, and keep policy notice deadlines separate.[^2] ### A Construction Clause Cannot Shift Certain Plan Errors Section 9-08-02.1 voids a construction-contract provision that makes a contractor liable for errors or omissions of the owner or the owner’s agents in the plans and specifications. The statute does not state what a liability policy covers; ask the broker to review the actual policy and contract language separately.[^3] ## 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.[^4][^5][^6] - [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.[^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for General liability; 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.[^12] - [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.[^14] - [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.[^13] - [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.[^15] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] ## Questions to Ask Before You Buy in North Dakota 1. If a North Dakota claim involves several contributing parties, how will the claim team document each party’s percentage of fault? 2. Does the complaint allege concerted action, aid or encouragement, or adoption of a tort for the parties’ benefit, and how would our limit apply to that alleged exposure? 3. Which claim category and accrual date under § 28-01-16 or another limitation provision applies? 4. Does our construction agreement assign owner or owner-agent errors in plans and specifications to the contractor, and how does the policy address the contract’s actual terms? ## General Liability in North Dakota: FAQ ### Can a North Dakota claimant recover when equally at fault? No. Recovery is barred when the claimant’s fault is as great as the combined fault of all other people who contributed to the injury; otherwise damages are reduced proportionally.[^1] ### Are North Dakota defendants jointly liable for the whole judgment? Usually not when multiple parties contributed: each is liable only for its allocated share. People who act in concert, aid or encourage the tort, or ratify or adopt it for their benefit are jointly liable for their combined share.[^1] ### Can a North Dakota construction contract make a contractor responsible for the owner’s plan errors? No. Section 9-08-02.1 voids a clause making a contractor liable for the owner’s or owner’s agents’ errors or omissions in plans and specifications; it does not determine what insurance covers.[^3] ## General Liability in Other States - [Alabama](/coverage/general-liability/alabama) - [Alaska](/coverage/general-liability/alaska) - [Arizona](/coverage/general-liability/arizona) - [Arkansas](/coverage/general-liability/arkansas) - [California](/coverage/general-liability/california) - [Colorado](/coverage/general-liability/colorado) - [Connecticut](/coverage/general-liability/connecticut) - [Delaware](/coverage/general-liability/delaware) - [District of Columbia](/coverage/general-liability/district-of-columbia) - [Florida](/coverage/general-liability/florida) - [Georgia](/coverage/general-liability/georgia) - [Hawaii](/coverage/general-liability/hawaii) - [Idaho](/coverage/general-liability/idaho) - [Illinois](/coverage/general-liability/illinois) - [Indiana](/coverage/general-liability/indiana) - [Iowa](/coverage/general-liability/iowa) - [Kansas](/coverage/general-liability/kansas) - [Kentucky](/coverage/general-liability/kentucky) - [Louisiana](/coverage/general-liability/louisiana) - [Maine](/coverage/general-liability/maine) - [Maryland](/coverage/general-liability/maryland) - [Massachusetts](/coverage/general-liability/massachusetts) - [Michigan](/coverage/general-liability/michigan) - [Minnesota](/coverage/general-liability/minnesota) - [Mississippi](/coverage/general-liability/mississippi) - [Missouri](/coverage/general-liability/missouri) - [Montana](/coverage/general-liability/montana) - [Nebraska](/coverage/general-liability/nebraska) - [Nevada](/coverage/general-liability/nevada) - [New Hampshire](/coverage/general-liability/new-hampshire) - [New Jersey](/coverage/general-liability/new-jersey) - [New Mexico](/coverage/general-liability/new-mexico) - [New York](/coverage/general-liability/new-york) - [North Carolina](/coverage/general-liability/north-carolina) - [Ohio](/coverage/general-liability/ohio) - [Oklahoma](/coverage/general-liability/oklahoma) - [Oregon](/coverage/general-liability/oregon) - [Pennsylvania](/coverage/general-liability/pennsylvania) - [Rhode Island](/coverage/general-liability/rhode-island) - [South Carolina](/coverage/general-liability/south-carolina) - [South Dakota](/coverage/general-liability/south-dakota) - [Tennessee](/coverage/general-liability/tennessee) - [Texas](/coverage/general-liability/texas) - [Utah](/coverage/general-liability/utah) - [Vermont](/coverage/general-liability/vermont) - [Virginia](/coverage/general-liability/virginia) - [Washington](/coverage/general-liability/washington) - [West Virginia](/coverage/general-liability/west-virginia) - [Wisconsin](/coverage/general-liability/wisconsin) - [Wyoming](/coverage/general-liability/wyoming) [Other Coverage in North Dakota](/coverage/states/north-dakota) ## Sources [^1]: [North Dakota Century Code Chapter 32-03.2 — Fault, Damages, and Payments](https://ndlegis.gov/cencode/t32c03-2.pdf) — North Dakota Legislative Assembly; § 32-03.2-02: fault threshold, proportional reduction, several-only liability, and concerted-action / aid / ratification exception; current chapter text directly read 2026-09-28. Accessed 2026-09-28. [^2]: [North Dakota Century Code Chapter 28-01 — Limitation of Actions](https://ndlegis.gov/prod/cencode/t28c01.pdf) — North Dakota Legislative Assembly; § 28-01-16(4)–(5): six years after accrual for taking, detaining, or injuring chattels and injury to person or rights not otherwise provided for; current chapter text directly read 2026-09-28. Accessed 2026-09-28. [^3]: [North Dakota Century Code Chapter 9-08 — Unlawful and Voidable Contracts](https://ndlegis.gov/cencode/t09c08.pdf?20130208163108=) — North Dakota Legislative Assembly; § 9-08-02.1: construction-contract provision making contractor liable for owner or owner-agent plan/specification errors or omissions is void; current chapter text directly read 2026-09-28. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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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