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 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 that helps you meet client requirements, win bids, and keep projects moving.

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. 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 can tailor limits, deductibles, and endorsements to match the projects you are working on.

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 Certificate of Liability 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.

Two young boys are laying on the grass and talking to each other.

Straight Answers for ND Contractors

  • Do subcontractors (subs) need their own insurance?

    Yes, most projects 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, an inland marine/tools floater is used for theft and damage off-site.

  • Can you help with bonds?

    Yes-check out the Bond section of this website!