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
When Work Involves Wheels, You Need the Right Policy
Personal auto policies usually exclude business use. Bowerman Insurance Agency places
commercial auto insurance for company cars, service vans, and work trucks-whether you run one pickup or a growing fleet in your business.
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.
Additional Endorsements to consider:
- Individual Named Insured (This Endorsement Is Needed if the Owner or Insured Doesn't Own a Private Personal Vehicle)
- Hired and Non-Owned
- Cargo
- Pollution
- Care, Custody, and Control (When the Insured's Business Has a Customer's Vehicle in Their Care, Custody, and Control)
- Additional Personal Injury Protection
- Drive Other Car
- Employees as Insureds
- Transportation Expenses
- Rental Reimbursement
- Loss of Use Expenses
- Auto Loan / Lease Gap
- Roadside Assistance
- Airbag coverage – Covers accidental airbag discharge.
- Audio, Visual and Data Electronic Equipment
Clear Guidance for Owners and Managers
Does a BOP include auto or workers' comp?
A commercial package policy is the way to go.
Are employees covered when driving?
Yes, if permitted users are listed under the commercial auto policy; we can get you the right coverage.
What about trailers or attached equipment?
We'll confirm liability and schedule physical damage, or inland marine where needed.