Business & Commercial Insurance

Protection for Your Business! 

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Coverage Built for Main Street & the Jobsite

From Main Street shops to contractors, running a business takes grit; and the right insurance. Bowerman Insurance Agency helps businesses manage risk from fire, theft, injuries, vehicle accidents, and more. Whether you operate a retail storefront, a small business, or a service fleet, we'll design a commercial package that fits how you work and what you own.

Your Commercial Coverage Checklist

Every business is different, but the risks often look the same. See where your current insurance stands and where Bowerman Insurance can help you strengthen your protection.

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General Liability

For customer injuries and damage claims

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Commercial Property

For buildings, tools, and inventory

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Commercial Auto

For company vehicles and for personal vehicles used for your business

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Trucking & Transportation

Coverage for trucks, cargo, drivers, and on-the-road risks

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Business Owners Policy (BOP)

Combined protection for property, liability, and business income

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EMPLOYEE AND CYBER COVERAGE

Coverage to protect your business 

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Business Interruption

Helps replace income when operations are temporarily halted

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Contractors Insurance

Protection for jobsite injuries, tools, and client property damage

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Surety Bonds

Guarantees your work meets legal and contractual obligations

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Coverage That Fits Your Trade

We can help find the coverage you need for inventory, equipment, certificates and/or bonds. We can also look at higher liability limits for your business along with business income, equipment breakdown and cyber coverage to name a few.



With our team in Steele and in Bismarck, you will get convenient support plus access to multiple carriers for pricing and flexibility.

Independent Advice, 30+ Years Strong

Since 1989, Bowerman Insurance Agency has helped business owners adjust coverage as they grow; adding locations, vehicles, or payroll. We compare carriers, endorsements, and deductibles to keep your plan current, from cyber add-ons to hired/non-owned auto. We can help tailor the insurance coverage you need and help you navigate the complicated requirements you might need to be protected.

Clear Answers for Owners

  • What insurance is required in ND?

    Requirements vary by industry; business auto is mandatory for company vehicles, and workers' comp is administered through North Dakota's state fund. We'll help you stay compliant.

  • Can I get one policy for a small business?

    Many small businesses qualify for a BOP combining property and liability-often with cost savings.

  • How are premiums determined?

     By factors like business type, location, revenue, payroll, claims history, and chosen limits.

  • Do you provide bonds for contractors?

    Yes, we can help with the bond coverage needed for a particular project.