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.
Commercial Property Insurance for ND Buildings & Contents
From Fire and Theft to Wind and Hail
Whether you own your building or lease space,
business property insurance in North Dakota protects the physical side of your operation-buildings, improvements, equipment, inventory, and electronics. Bowerman Insurance Agency helps local firms from Steele to Bismarck tailor limits and deductibles to real replacement costs.
Building, Improvements, and Business Personal Property
Coverage can include your structure (if owned) or tenant improvements (if leased), plus furniture, computers, tools, and stock. We'll address signage and fences where needed, and confirm replacement cost vs. actual cash value so you're not under-insured.
Know Your Perils-and Fill the Gaps
Standard forms cover fire, lightning, wind, hail, vandalism, theft, and certain water damage (like burst pipes).
Flood isn't included; separate coverage is available if your location is near rivers or low-lying areas.
Help Cash Flow During Repairs
A covered loss can pause operations. Business interruption (income) coverage helps replace lost revenue and pay ongoing expenses during the restoration period-often bundled in a BOP for qualifying companies.
Answers for ND Locations
If I rent, do I need property insurance?
Yes-your landlord's policy won't cover your equipment or inventory.
How much coverage do I need?
We'll inventory assets and set limits aligned to current rebuild and replacement costs.
Is equipment breakdown included?
Usually added by endorsement; we'll include it if needed.