Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Business Interruption Insurance for North Dakota Firms

Income Protection When You Can't Open

If fire, wind, or other covered damage shuts your doors, business income insurance in ND helps replace revenue and cover ongoing expenses like payroll, rent, and utilities. Bowerman Insurance Agency coordinates this coverage with your property policy so you can focus on rebuilding.

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Lost Income, Ongoing Expenses, and Extra Expense

Policies can reimburse lost net income, pay continuing expenses, and fund extra expenses-like renting a temporary space-to speed up reopening. Coverage usually begins after a short waiting period and lasts through the restoration window, subject to limits.

Covered Causes, Civil Authority, and More

Business interruption activates when a covered property loss forces suspension of operations. Some policies include limited "civil authority" coverage if access is prohibited due to nearby damage. We'll align your policy language with real risks in Steele and Bismarck.

A white house with a porch and a chimney
Two young boys are laying on the grass and talking to each other.

 Clear Answers for Owners

  • Is this included automatically?

    Often included in a BOP; otherwise added to your property policy.

  • How long does it pay?

    Until you resume operations or reach the policy's time limit.

  • Does it cover pandemics?

    Typically no-most policies require direct physical damage to trigger coverage.