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.

Commercial Auto & Fleet Insurance for North Dakota Businesses

When Work Involves Wheels, You Need the Right Policy

Personal auto policies usually exclude business use beyond commuting. Bowerman Insurance Agency places commercial auto insurance in ND for company cars, service vans, and work trucks-whether you run one pickup in Steele or a growing fleet in Bismarck.

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Liability, Physical Damage, and More

Core coverages include liability for at-fault accidents, collision and comprehensive for your vehicles, uninsured/underinsured motorist, and medical payments/PIP. We can add hired and non-owned auto coverage when employees use personal cars or rentals for business.

Scale Coverage as You Grow

For multiple vehicles, a fleet policy can streamline billing and certificates while improving pricing efficiency. Insurers weigh driver records and vehicle types; we'll help with guidelines and safety practices that can reduce premiums.

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Clear Guidance for Owners and Managers

  • Does a BOP include auto or workers' comp?

    Usually not-use a commercial policy to avoid claim denials.

  • Are employees covered when driving?

    Yes, if permitted users under the policy; we'll set it up correctly.

  • What about trailers or attached equipment?

    We'll confirm liability and schedule physical damage or inland marine where needed.