--- title: "Intellectual Property Insurance in North Dakota" description: "Learn how North Dakota law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage." canonical: "https://spot.insure/coverage/intellectual-property/north-dakota" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/intellectual-property/north-dakota) # Intellectual Property Insurance in North Dakota North Dakota’s Trade Secrets Act requires reasonable secrecy efforts as part of trade-secret status. Map access permissions, vendor restrictions, and confidentiality markings before renewal; ask which controls matter to the insurer’s risk review.[^2] **Coverage:** [Intellectual property](/coverage/intellectual-property) · [North Dakota](/coverage/states/north-dakota) ## What Is Intellectual Property? Intellectual property insurance comes in two separate parts: defense, when you're accused of infringing a patent, trademark or copyright, and enforcement, when you pursue someone who copied yours. A defense-only quote doesn't pay for your own lawsuit, so ask for each part you need. [Read the national Intellectual property guide](/coverage/intellectual-property). ## What to Watch for in North Dakota ### Match the State Rule to Your Coverage North Dakota’s Trade Secrets Act requires reasonable secrecy efforts as part of trade-secret status. Map access permissions, vendor restrictions, and confidentiality markings before renewal; ask which controls matter to the insurer’s risk review.[^2] ### Plan for the State Remedy North Dakota permits an injunction for actual or threatened misappropriation and damages for loss or unjust enrichment. Ask whether the policy can fund counsel for a rapid injunction proceeding and later damages defense.[^2] ### Check the Policy Against the Claim North Dakota gives a three-year discovery period and treats continuing misappropriation as one claim. Set a written internal reporting trigger for suspected copying, even if the first incident appears small.[^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] - [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 No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www.insurance.nd.gov/producers/print-license) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in North Dakota 1. Will this policy cover a threatened trade-secret claim under North Dakota law before a lawsuit is filed? 2. Do defense costs reduce the limit available for a royalty settlement or damages? 3. What records should we preserve to establish when a suspected North Dakota misappropriation was discovered? ## Intellectual Property in North Dakota: FAQ ### What is the key North Dakota rule for a trade-secret claim? North Dakota’s Trade Secrets Act requires reasonable secrecy efforts as part of trade-secret status. Map access permissions, vendor restrictions, and confidentiality markings before renewal; ask which controls matter to the insurer’s risk review.[^2] ### How should I handle a suspected intellectual-property claim in North Dakota? Notify the insurer promptly and preserve the first demand, access logs, agreements, and discovery date. North Dakota gives a three-year discovery period and treats continuing misappropriation as one claim. Set a written internal reporting trigger for suspected copying, even if the first incident appears small. The federal Defend Trade Secrets Act is a separate claim with its own filing period.[^2][^1] ## Intellectual Property in Other States - [Alabama](/coverage/intellectual-property/alabama) - [Alaska](/coverage/intellectual-property/alaska) - [Arizona](/coverage/intellectual-property/arizona) - [Arkansas](/coverage/intellectual-property/arkansas) - [California](/coverage/intellectual-property/california) - [Colorado](/coverage/intellectual-property/colorado) - [Connecticut](/coverage/intellectual-property/connecticut) - [Delaware](/coverage/intellectual-property/delaware) - [District of Columbia](/coverage/intellectual-property/district-of-columbia) - [Florida](/coverage/intellectual-property/florida) - [Georgia](/coverage/intellectual-property/georgia) - [Hawaii](/coverage/intellectual-property/hawaii) - [Idaho](/coverage/intellectual-property/idaho) - [Illinois](/coverage/intellectual-property/illinois) - [Indiana](/coverage/intellectual-property/indiana) - [Iowa](/coverage/intellectual-property/iowa) - [Kansas](/coverage/intellectual-property/kansas) - [Kentucky](/coverage/intellectual-property/kentucky) - [Louisiana](/coverage/intellectual-property/louisiana) - [Maine](/coverage/intellectual-property/maine) - [Maryland](/coverage/intellectual-property/maryland) - [Massachusetts](/coverage/intellectual-property/massachusetts) - [Michigan](/coverage/intellectual-property/michigan) - [Minnesota](/coverage/intellectual-property/minnesota) - [Mississippi](/coverage/intellectual-property/mississippi) - [Missouri](/coverage/intellectual-property/missouri) - [Montana](/coverage/intellectual-property/montana) - [Nebraska](/coverage/intellectual-property/nebraska) - [Nevada](/coverage/intellectual-property/nevada) - [New Hampshire](/coverage/intellectual-property/new-hampshire) - [New Jersey](/coverage/intellectual-property/new-jersey) - [New Mexico](/coverage/intellectual-property/new-mexico) - [New York](/coverage/intellectual-property/new-york) - [North Carolina](/coverage/intellectual-property/north-carolina) - [Ohio](/coverage/intellectual-property/ohio) - [Oklahoma](/coverage/intellectual-property/oklahoma) - [Oregon](/coverage/intellectual-property/oregon) - [Pennsylvania](/coverage/intellectual-property/pennsylvania) - [Rhode Island](/coverage/intellectual-property/rhode-island) - [South Carolina](/coverage/intellectual-property/south-carolina) - [South Dakota](/coverage/intellectual-property/south-dakota) - [Tennessee](/coverage/intellectual-property/tennessee) - [Texas](/coverage/intellectual-property/texas) - [Utah](/coverage/intellectual-property/utah) - [Vermont](/coverage/intellectual-property/vermont) - [Virginia](/coverage/intellectual-property/virginia) - [Washington](/coverage/intellectual-property/washington) - [West Virginia](/coverage/intellectual-property/west-virginia) - [Wisconsin](/coverage/intellectual-property/wisconsin) - [Wyoming](/coverage/intellectual-property/wyoming) [Other Coverage in North Dakota](/coverage/states/north-dakota) ## Sources [^1]: [18 U.S.C. § 1836, Civil Proceedings](https://uscode.house.gov/view.xhtml?req=%28title%3A18+section%3A1836+edition%3Aprelim%29) — Office of the Law Revision Counsel, U.S. House of Representatives; § 1836(b)(1), (3): federal civil action, injunction, and damages for qualifying trade secret misappropriation. Accessed 2026-09-29. [^2]: [North Dakota Uniform Trade Secrets Act](https://ndlegis.gov/cencode/t47c25.pdf) — North Dakota Legislature; §§ 47-25-01–08: definition, remedies, limitations, and displacement. Accessed 2026-09-29. [^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 2026-09-29. 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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