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.

Farm Liability Insurance in North Dakota

Coverage for Visitors, Neighbors, and Operations

From delivery drivers in your yard to visitors at the shop, accidents happen. Farm liability insurance in ND helps cover bodily injury, property damage, and legal defense tied to farm operations-so one incident doesn't threaten years of work. Bowerman Insurance Agency builds limits that reflect real exposure in Steele, Bismarck, and rural townships.

A white house with a porch and a chimney

From Livestock Escapes to Spray Drift

Examples include a guest hurt around equipment, livestock breaking a fence and causing a road accident, or overspray damaging a neighbor's field. If you do custom farming on others' land, we'll confirm that activity is covered or endorsed to match receipts.

Premises, Operations, and Farm Products

Farm liability generally covers injuries and damage arising from your premises and operations, plus product liability for small-scale sales (e.g., eggs or produce). If you host agritourism or farm tours, we'll evaluate specialized endorsements or separate commercial coverage.

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

Drift, Custom Work, and Limited Pollution

Add chemical drift liability for spraying operations, custom farming coverage above threshold receipts, and limited pollution for small fuel spills. Many farms also add an umbrella for higher limits over farm liability and auto exposures.

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

Straight Answers for ND Producers

  • Does farm liability replace my personal liability?

    Yes-if your home is on the farm policy, it typically includes personal liability too.

  • Are employees covered if injured?

    Liability addresses third parties; injuries to employees require workers' comp.

  • Does it cover product claims?

    Often for small-scale farm product sales-larger operations may need enhancements.

  • What about equipment on public roads?

    Liability is addressed; damage to the machine itself is under equipment coverage.