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.

General Liability Insurance

Essential Protection for Everyday Risks

One accident, one claim-without the right general liability (GL) insurance can upend cash flow. Bowerman Insurance Agency can help businesses secure a commercial general liability policy, coverage for premises injuries, property damage, and advertising injury, so a slip-and-fall or customer claim doesn't become a crisis.

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Bodily Injury, Property Damage, and More

GL typically pays for claims if a customer is hurt at your location, if your work damages a client's property, or if a product or completed job causes harm later. It may also include personal and advertising injury (like libel/slander) and legal defense costs-critical when a contract or lease demands proof of coverage.

From Main Street Shops to Contractors

If you interact with the public, you need a GL Policy. Businesses in retail, restaurants, contractors, and professional offices all come across the public on a daily basis. Bowerman Insurance Agency can place stand-alone policies or include GL inside a package for eligible small businesses.

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

Get the Right Limits-and Proof Fast

Common limits are $1M per occurrence / $2M aggregate, but we'll tailor your policy to fit the needs of your business. If you need higher limits, consider layering a commercial umbrella for added protection over GL and business auto.

Optional Liability Endorsements Are Available:

  • Pollutant Clean Up and Removal
  • Pollution Exposures
  • Additional Insured
  • Liquor Liability
  • Directors and Officers
  • Professional Liability
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Two young boys are laying on the grass and talking to each other.

 Straight Answers for ND Owners

  • Is GL required by law?

    Not usually, but leases and contracts often require it.

  • Does GL cover employee injuries?

    No-workers' comp addresses employee injuries. There is also a Stop Gap Policy available.

  • What's the difference between GL and professional liability?

    GL covers physical risks; professional liability covers errors in services.

  • Can GL be part of a package?

    Yes-many small businesses use a BOP (Businessowner Policy) that includes GL and property.