Business Insurance in North Dakota: A Buyer's Guide
Research business insurance in North Dakota, with state insurance regulator contacts, license lookups, surplus-lines tax information and coverage guides.
Business Insurance Guides for North Dakota
General Liability Insurance in North Dakota
North Dakota bars recovery at an equal fault share and generally limits each defendant to its own share, with a concerted-action exception.Directors and Officers (D&O) Insurance in North Dakota
Check North Dakota charter exclusions, indemnification standards, and the statutory treatment of foreign entities.Technology E&O Insurance in North Dakota
A contract claim is generally six years, and a clause that excuses fraud or shortens the time to sue is against public policy.Cyber Insurance in North Dakota
North Dakota requires Attorney General notice when one breach affects more than 250 people, alongside the affected-resident notice duty.Media Liability Coverage in North Dakota
North Dakota’s correction statute ties economic-damages limits to a timely request and adequate correction; the response window also affects limitations timing.North Dakota EPLI: One-Employee Reach and Capped Administrative Relief
North Dakota’s Human Rights Act can reach employers with one employee serving in the state, and it expressly addresses some lawful off-duty activity.Fiduciary Liability Insurance in North Dakota
Review North Dakota retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.North Dakota Hired and Non-Owned Auto Coverage
North Dakota makes a borrower’s available policy primary for vehicles loaned by specified auto businesses and separately requires no-fault benefits.Professional Liability (E&O) Insurance in North Dakota
Check North Dakota’s active real-estate-license E&O limits, equivalent-policy filing deadline, and out-of-state program exception.Workers’ Compensation Insurance in North Dakota
North Dakota employers must insure through WSI, the state’s exclusive employer-financed fund; private insurers cannot underwrite the coverage.North Dakota BOP: Budget for Flood Outside Mapped Areas
North Dakota DOI warns that flash flooding can affect locations outside floodplains and publishes commercial NFIP limits.North Dakota Umbrella and Excess Liability Guide
A certified proof-for-the-future policy is $25,000, $50,000, and $25,000, and equal fault bars a negligence recovery.Medical Malpractice Insurance in North Dakota
North Dakota’s medical-malpractice mutual statute is physician-specific and allows underwriting variation by class and exposure.Representations and Warranties Insurance in North Dakota
Check North Dakota contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.Kidnap and Ransom Insurance in North Dakota
See how North Dakota's surplus-lines tax and insurer insolvency rules can affect a K&R quote.North Dakota Crime Insurance Guide
How North Dakota funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.Commercial Auto Insurance in North Dakota
North Dakota requires continuous security that includes no-fault benefits for registered or locally operated vehicles; household-goods carriers must separately keep filed liability proof current.Cargo Insurance in North Dakota
For a North Dakota household-goods carrier, separate the state permit’s negligence-liability filing from cargo insurance for interstate service.Liquor Liability in North Dakota
North Dakota limits alcohol-provider claims to specified service conduct involving an underage, incompetent, or obviously intoxicated person.Key Person Insurance in North Dakota
Learn how North Dakota insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.Product Liability in North Dakota
North Dakota’s product-liability chapter sets both a discovery-based filing period and a statute of repose measured from when the manufacturer or seller parted with possession.Commercial Property Insurance in North Dakota
Plan North Dakota commercial flood protection around NFIP limits, timing, and risks outside mapped floodplains.North Dakota Garage Liability for Motor Vehicle Dealers
See North Dakota’s required dealer liability components and what happens if coverage ends.North Dakota Inland Marine Insurance Under the 1976 Definition
North Dakota adopted the 1976 nationwide marine definition and puts inland marine inside the property rating chapter.North Dakota Public Construction Bonds
Check the public-improvement bond, bid security and contractor-license documents for a North Dakota project.North Dakota Builders Risk: Inspections and Local Code Authority
North Dakota buyers should confirm the local code authority, permit operator and inspection schedule, especially when fire-protection systems or staged site work are part of the project.Equipment Breakdown Insurance in North Dakota
North Dakota sets boiler inspection intervals by equipment class and treats unfired pressure-vessel construction in a separate rule, with different size and pressure exceptions.North Dakota Management Liability Insurance
Compare North Dakota employment-law exposure and company indemnification duties with D&O and EPL policy terms.Product Recall Insurance in North Dakota
North Dakota’s Food, Drug, and Cosmetic Act includes articles used for food or drink for people or animals, and bars handling adulterated products or removing detained articles without permission.North Dakota Fidelity Bonds for Trust Companies
Learn which North Dakota businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.Intellectual Property Insurance in North Dakota
Learn how North Dakota law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.Contract Frustration Insurance in North Dakota
How North Dakota export services and insurance-placement rules shape a contract-frustration policy.Last-Mile Delivery Insurance in North Dakota
North Dakota's delivery-network chapter uses $50,000/$100,000/$25,000 for both the available period and the delivery itself.Venture Capital Asset Protection Insurance in North Dakota
Check how North Dakota adviser rules and fund entity structure affect a venture capital manager’s insurance review.Digital Asset Business Insurance in North Dakota
Review North Dakota's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.Telehealth Insurance in North Dakota
North Dakota requires a bona fide patient relationship and bars most opioid prescribing through telemedicine.Generative AI Liability Insurance in North Dakota
North Dakota’s 2025 law expanded sexually expressive image rules to cover computer-generated depictions and added a civil action for certain harmful distribution.Employee Health Benefits in North Dakota
North Dakota non-COBRA group plans require a short election cycle: a written request within 10 days after the later of termination or notice, and in all cases no later than 31 days after coverage ends.Trucking Insurance in North Dakota
See how North Dakota’s vehicle rules interact with federal for-hire limits and which heavy trucks fall outside the state UM/UIM definition.
What to Know About Insurance in North Dakota
- Surplus-lines tax and stamping: 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. 4,5,6
Sources for North Dakota Insurance Information
- North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
- 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.
- 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.
- 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.
- 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.
- 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.
- Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
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