Business Insurance in North Dakota

Insurance Regulator

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. ^1,2,3

• Regulator website
• License lookup
• File a complaint
• 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. ^4,5,6

Coverage Guides

• 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.

• Cyber Liability 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, off-hours conduct, 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 Business Owners Policy: Budget for Flood Outside Mapped Areas

  North Dakota DOI warns that flash flooding can affect locations outside floodplains and publishes commercial NFIP limits.

• 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.

• 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 Public Construction Bonds

  Check North Dakota public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.

• 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.

• 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.

• 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.

• 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.

Sources

1. North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
8. 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.
9. 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.
10. 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.
11. 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.
12. 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.
13. 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.