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 for North Dakota Businesses

Essential Protection for Everyday Risks

One accident, one claim-without the right general liability insurance in ND, it can upend cash flow. Bowerman Insurance Agency helps Steele and Bismarck businesses secure commercial general liability North Dakota companies rely on for premises injuries, property damage, and advertising injury, so a slip-and-fall or customer claim doesn't become a crisis.

A white house with a porch and a chimney

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 GL-retail, restaurants, contractors, and professional offices across Burleigh and Kidder counties. 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 to bid specs, landlord requirements, or vendor contracts. If you need higher limits, consider layering a commercial umbrella for added protection over GL and business auto.

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 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; GL is for third parties.

  • 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 that includes GL and property.