--- title: "North Dakota Management Liability Insurance" description: "Compare North Dakota employment-law exposure and company indemnification duties with D&O and EPL policy terms." canonical: "https://spot.insure/coverage/management-liability/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/management-liability/north-dakota) # North Dakota Management Liability Insurance North Dakota defines employer to include an in-state employer with one or more employees for more than one quarter of the year and an out-of-state employer whose worker performs any services partly or wholly in North Dakota. North Dakota’s Business Corporation Act lets articles limit director damages liability, but not for loyalty breaches, bad-faith or intentional acts, specified securities-law liability, improper benefits, or earlier conduct.[^3][^4][^1][^2] **Coverage:** [Management liability](/coverage/management-liability) · [North Dakota](/coverage/states/north-dakota) ## What Is Management Liability? Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. [Read the national Management liability guide](/coverage/management-liability). ## What to Watch for in North Dakota ### Some off-duty conduct is expressly protected The employment provision includes participation in lawful activity off the employer’s premises during nonworking hours, unless it directly conflicts with essential business-related interests. Ask how the EPL form handles this allegation type, including wage-and-hour exclusions, defense sublimits, and notice triggers.[^3] ### Private Company Indemnification N.D.C.C. § 10-19.1-50(5) preserves liability for loyalty breaches, bad-faith or intentional misconduct or knowing law violations, liability under §§ 10-19.1-95 or 10-04-17, improper personal benefit, and pre-effective-date conduct. As a private company, compare your bylaws and indemnity agreement with the policy’s advancement language; § 10-19.1-50(5) does not itself promise insurance payment.[^1] ### Administrative And Court Remedies Differ Under §14-02.4-20, the department or court may order injunctions, equitable relief, and back pay capped at two years from a minimally sufficient complaint; the department and administrative hearing officer cannot order compensatory or punitive damages. Courts may award fees. Ask who will log the first written notice and confirm the policy reporting date.[^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.[^7][^8][^9] - [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.[^10][^11][^12] ## 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. Which North Dakota employment-law allegations and agency notices did you account for, and how do the EPL form’s wage-and-hour exclusion and defense sublimit apply? 2. For our North Dakota private company, when do the charter, bylaws, or indemnification agreements require us to advance a leader’s defense costs, and when does the policy respond? 3. Does the quote include fiduciary-liability coverage, and which plan fiduciaries need a separate ERISA fidelity bond? 4. Does the policy treat an agency charge, written demand, and filed lawsuit as separate claim triggers, and what notice date applies to each? ## Management Liability in North Dakota: FAQ ### What employment-law exposure should a North Dakota business discuss when buying management liability? North Dakota defines employer to include an in-state employer with one or more employees for more than one quarter of the year and an out-of-state employer whose worker performs any services partly or wholly in North Dakota. The policy notice deadline is separate from any agency filing deadline.[^3][^4] ### Does North Dakota corporate law determine what a D&O policy pays? North Dakota’s Business Corporation Act lets articles limit director damages liability, but not for loyalty breaches, bad-faith or intentional acts, specified securities-law liability, improper benefits, or earlier conduct. The statute does not itself define what the insurer must defend or pay; check those terms in the policy.[^3][^4][^1] ### Is a plan fidelity bond the same as fiduciary-liability insurance for a North Dakota business? No. ERISA requires a fidelity bond for covered plan fiduciaries who handle plan funds; North Dakota’s Business Corporation Act lets articles limit director damages liability, but not for loyalty breaches, bad-faith or intentional acts, specified securities-law liability, improper benefits, or earlier conduct addresses a separate company-law issue. Ask whether the policy includes fiduciary-liability coverage in addition to the bond.[^3][^5][^6][^1] ## Management Liability in Other States - [Alabama](/coverage/management-liability/alabama) - [Alaska](/coverage/management-liability/alaska) - [Arizona](/coverage/management-liability/arizona) - [Arkansas](/coverage/management-liability/arkansas) - [California](/coverage/management-liability/california) - [Colorado](/coverage/management-liability/colorado) - [Connecticut](/coverage/management-liability/connecticut) - [Delaware](/coverage/management-liability/delaware) - [District of Columbia](/coverage/management-liability/district-of-columbia) - [Florida](/coverage/management-liability/florida) - [Georgia](/coverage/management-liability/georgia) - [Hawaii](/coverage/management-liability/hawaii) - [Idaho](/coverage/management-liability/idaho) - [Illinois](/coverage/management-liability/illinois) - [Indiana](/coverage/management-liability/indiana) - [Iowa](/coverage/management-liability/iowa) - [Kansas](/coverage/management-liability/kansas) - [Kentucky](/coverage/management-liability/kentucky) - [Louisiana](/coverage/management-liability/louisiana) - [Maine](/coverage/management-liability/maine) - [Maryland](/coverage/management-liability/maryland) - [Massachusetts](/coverage/management-liability/massachusetts) - [Michigan](/coverage/management-liability/michigan) - [Minnesota](/coverage/management-liability/minnesota) - [Mississippi](/coverage/management-liability/mississippi) - [Missouri](/coverage/management-liability/missouri) - [Montana](/coverage/management-liability/montana) - [Nebraska](/coverage/management-liability/nebraska) - [Nevada](/coverage/management-liability/nevada) - [New Hampshire](/coverage/management-liability/new-hampshire) - [New Jersey](/coverage/management-liability/new-jersey) - [New Mexico](/coverage/management-liability/new-mexico) - [New York](/coverage/management-liability/new-york) - [North Carolina](/coverage/management-liability/north-carolina) - [Ohio](/coverage/management-liability/ohio) - [Oklahoma](/coverage/management-liability/oklahoma) - [Oregon](/coverage/management-liability/oregon) - [Pennsylvania](/coverage/management-liability/pennsylvania) - [Rhode Island](/coverage/management-liability/rhode-island) - [South Carolina](/coverage/management-liability/south-carolina) - [South Dakota](/coverage/management-liability/south-dakota) - [Tennessee](/coverage/management-liability/tennessee) - [Texas](/coverage/management-liability/texas) - [Utah](/coverage/management-liability/utah) - [Vermont](/coverage/management-liability/vermont) - [Virginia](/coverage/management-liability/virginia) - [Washington](/coverage/management-liability/washington) - [West Virginia](/coverage/management-liability/west-virginia) - [Wisconsin](/coverage/management-liability/wisconsin) - [Wyoming](/coverage/management-liability/wyoming) [Other Coverage in North Dakota](/coverage/states/north-dakota) ## Sources [^1]: [North Dakota Century Code, Chapter 10-19.1](https://www.legis.nd.gov/cencode/t10c19-1.pdf) — North Dakota Legislative Branch; §§ 10-19.1-01(32), 10-19.1-50(5), and 10-19.1-91(2),(10). Accessed 2026-09-28. [^2]: [North Dakota Century Code, Chapter 10-33](https://www.legis.nd.gov/cencode/t10c33.pdf) — North Dakota Legislative Branch; Nonprofit Corporation Act; separate corporate chapter. Accessed 2026-09-28. [^3]: [North Dakota Century Code, Chapter 14-02.4, Human Rights Act](https://www.legis.nd.gov/cencode/t14c02-4.pdf) — North Dakota Legislative Council; §14-02.4-02(8) employer definition; §14-02.4-03 employment practices; §14-02.4-20 relief; current codified chapter opened 2026-09-28. Accessed 2026-09-28. [^4]: [Employment Discrimination](https://www.nd.gov/labor/human-rights/employment-discrimination) — North Dakota Department of Labor and Human Rights; Agency’s charge deadline (300 days from last date of harm), investigation, conciliation and hearing route. Accessed 2026-09-28. [^5]: [29 U.S.C. § 1112, ERISA fidelity bonding](https://www.govinfo.gov/link/uscode/29/1112) — U.S. Government Publishing Office; ERISA § 412(a)–(e): covered plan fiduciaries and persons handling plan funds/property; fraud-or-dishonesty protection; statutory exceptions; amount and procurement rules. Authenticated U.S. Code text records amendments through 2019, accessed 2026-09-28. Accessed 2026-09-28. [^6]: [29 C.F.R. § 2580.412-6, Handling test for ERISA bonding](https://www.ecfr.gov/current/title-29/subtitle-B/chapter-XXV/subchapter-I/part-2580/subpart-A/section-2580.412-6) — Office of the Federal Register, Electronic Code of Federal Regulations; Current eCFR displayed as of 2026-09-24; § 2580.412-6(a)–(b): risk-based handling definition, access/control/disbursement examples, negligible-risk qualification. Accessed 2026-09-28. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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. [^19]: [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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