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.

Employment Practices Liability Insurance (EPLI) Endorsement

Employment Practices Liability Insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination, and harassment.



If you have employees, you need Employment Practices Liability Insurance. Contact us today for further information!

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Optional Endorsements Are Available:

  • Employee Benefit Liability
  • Employee Dishonesty or Theft
  • Hired Auto & Non-Owned Auto
  • Management Personnel
  • Robbery
  • Money and Securities
  • Computer Fraud
  • Money Orders and Counterfeit Money
  • Crime Coverages
  • Extended Reporting Period
  • Prior Acts
  • Fellow Employee Coverage
  • Employees as Insureds

Ask us about these optional endorsements as well as the EPLI Coverage, we can find the coverage your business needs.

STOP GAP ENDORSEMENT

Businesses with employees must consider various insurance policies to manage financial risks. One crucial coverage is Stop Gap Insurance, which addresses gaps in workers’ compensation policies. Without it, employers could face costly lawsuits from injured employees.


Stop Gap Insurance Coverage is a supplemental liability insurance that protects employers when workers’ comp alone doesn’t cover an employee lawsuit.


For example, workers’ comp covers medical bills and lost wages after a workplace accident — but if the injured worker sues their employer for negligence, workers’ comp won’t step in to pay defense costs or damages. Stop gap coverage fills that hole.


Stop gap coverage is not a substitute for workers’ compensation. You still need workers’ comp to provide benefits to employees. Stop gap simply adds another layer of protection for the employer.


What Stop Gap Coverage Includes


  • Employer liability 
  • Defense costs and legal fees 
  • Third party claims 


For many employers, stop gap coverage is a relatively small expense compared to the financial devastation of even one uninsured lawsuit.

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

Cyber Liability Coverage

Cyber Liability Insurance provides financial protection against losses resulting form cyberattack, data breaches, and other online threats, helping your business manage their exposures.


Covers a wide range of costs associated with cyber incidents, including:


  • 1st Party Losses: Direct expenses incurred by a business following a cyberattack or data breach.
  • 3rd Party Claims: When a breach occurs and affects customers and/or business partners.
  • Data Breach: Costs for managing a data breach, including notification and public relation efforts.
  • Plus, other coverages associated with a Cyber Attack


Cyber Coverage is essential for businesses that handle sensitive information, it provides a financial safety net for financial hardship and we can help you! 

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Clear Answers for Service Businesses

  • Do I need E&O if I have GL?

    If you provide advice or services, yes-GL won't cover purely financial losses.

  • What professions need E&O?

    Consultants, real estate agents, accountants, insurance agents, IT providers, designers, and more.

  • Are intentional acts covered?

    No-E&O covers negligence and mistakes, not fraud or intentional harm.

  • How much does it cost?

    Pricing depends on profession, revenue, and claims history; we'll shop multiple carriers.