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.

Contractor Insurance in North Dakota for Builders & Trades

Coverage That Works as Hard as You Do

As a contractor-whether general contractor, carpenter, plumber, electrician, or handyman-you face jobsite risks every day. Bowerman Insurance Agency designs contractor insurance in North Dakota that helps you meet client requirements, win bids, and keep projects moving from Steele to Bismarck and across I-94.

A white house with a porch and a chimney

The Core Policies Most Jobs Require

General liability for customer injuries or damage tied to your work. Commercial property for your shop, materials, and office contents. Inland marine (tools & equipment) for mobile gear at jobsites and in transit. Commercial auto for work trucks and vans. Workers' compensation guidance through ND's state fund if you have employees. Surety bonds-license, bid, performance, and payment-when contracts demand them.

From One-Man Shops to Multi-Crew Operations

Every operation is different. We can add installation floater for materials awaiting install, builder's risk to cover structures under construction, and an umbrella for higher limits over GL and auto. Bowerman Insurance Agency tailors limits, deductibles, and endorsements to match your scope, from bathroom remodels to steel building projects.

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

Proof of Coverage Without the Headaches

Need a COI today for a city permit or a prime contractor? We issue certificates quickly and align your policy with contract specs-additional insured, primary/noncontributory, waiver of subrogation, and job-specific limits where required.

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Straight Answers for ND Contractors

  • Do subs need their own insurance?

    es-most primes require subs to carry GL and sometimes bonds. It also protects your business from uncovered losses.

  • What limits should I carry?

    Many jobs require $1M/$2M GL; larger projects may require higher limits or an umbrella.

  • Are tools in my trailer covered?

    Not by GL-use an inland marine/tools floater for theft and damage off-site.

  • Can you help with bonds?

    Yes-we provide license & permit, bid, performance, and payment bonds.