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 Owner's Policy (BOP) for North Dakota Small Businesses
One Policy, Big Protection
A BOP combines general liability, commercial property, and often business income into a single, affordable policy. Bowerman Insurance Agency helps Steele and Bismarck owners qualify for
BOP insurance in North Dakota that keeps essentials covered and paperwork simple.
Right-Sized for Retail, Offices, and Cafés
Eligibility typically depends on revenue, payroll, and risk class. Many Main Street businesses-boutiques, professional offices, small eateries-qualify. If you don't fit BOP guidelines, we'll build a
custom package with the same protections.
Liability, Property, and Business Income
GL for third-party injuries and damage, property for buildings/improvements and contents, and
business interruption to help with revenue during a covered shutdown. Endorsements like equipment breakdown or data breach can be added.
Bundle Pricing, One Renewal
BOPs are often priced more competitively than buying policies separately. You'll manage one policy, one billing, and one renewal-plus
certificates of insurance are easy to issue for landlords or vendors.
Quick Answers for Owners
Does a BOP include auto or workers' comp?
No-those are separate policies; we'll place them alongside your BOP.
Can I customize my BOP?
Yes-add endorsements for cyber, EPLI, or equipment breakdown.
How does a BOP differ from GL alone?
A BOP bundles GL with property and often income coverage for broader protection.