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 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 owners qualify for
BOP insurance 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
General Liability (GL) for injuries and damages, 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 if they are not included.
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 if needed.
Quick Answers for Owners
Does a BOP include auto or workers' comp?
No, these are separate policies. Your autos can be bundled with a commercial auto policy, but Workers’ Comp is through the state of ND.
Can I customize my BOP?
Yes, endorsements are available for numerous risks you may face, cyber, EPLI, or equipment breakdown to name a few.
How does a BOP differ from GL alone?
A BOP includes the GL with the property coverages, where a stand alone GL covers only the liability portion.