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 Buildings & Contents

From Fire and Theft to Wind and Hail

Whether you own your building or lease space, business property insurance protects the physical side of your operation-buildings, improvements, equipment, inventory, and electronics. Bowerman Insurance Agency can help your business tailor limits and deductibles to replacement costs, customizing a policy to meet your unique needs.

A white house with a porch and a chimney

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, a separate coverage is needed if your location is near rivers or low-lying areas.

A white house with a porch and a chimney
A white house with a porch and a chimney

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.

Optional Property Endorsements Are Available:

  • Replacement Cost Coverage on structures and business personal property
  • Inflation Guard Protection
  • Increased Cost of Construction - Ordinance or Law
  • Undamaged Portion of the Building Coverage
  • Demolition Cost Coverage
  • Spoilage
  • Care, Custody and Control (When your Business has Customer's Property in your Care, Custody, and Control
  • Sewer Back Up Coverage
  • Commercial Inland Marine Coverage (for those items that are needed to be scheduled)
Buildings
Two young boys are laying on the grass and talking to each other.

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?

    Inventory your 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.