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.

Professional Liability Insurance (E&O) for North Dakota Professionals

When Advice and Services Are Your Product

If a client claims your work caused a financial loss, professional liability insurance can cover legal defense and settlements up to policy limits. Bowerman Insurance Agency places E&O for consultants, real estate pros, tech services, designers, and other advice-driven businesses in Steele, Bismarck, and beyond.

A white house with a porch and a chimney

Errors, Omissions, and Missed Deadlines

Typical coverage addresses negligence, mistakes, or failure to deliver professional services as promised. It's designed for economic losses-not bodily injury or property damage, which are GL matters. We'll help right-size limits and retro dates for your risk.

Continuous Coverage Really Matters

Most E&O is written on a claims-made basis, which means coverage depends on when the claim is made and whether your policy has been continuous. We'll guide prior acts, tail coverage, and transitions between carriers to avoid gaps.

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

Different Policies for Different Risks

General liability handles slips, trips, and property damage. E&O handles your professional services and advice. Many firms carry both for complete protection across client contracts, leases, and vendor agreements.

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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.