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.

Trucking Insurance in North Dakota for Owner-Operators & Fleets

Coverage Built for Miles and Deadlines

From grain hauls on Highway 83 to interstate routes across I-94, trucking requires specialized protection-and proof of it. Bowerman Insurance Agency places commercial truck insurance in ND with the filings you need to operate legally and the coverages you need to keep moving.

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What Most Carriers and O/Os Carry

Primary auto liability to meet state and federal requirements. Physical damage for tractors and listed trailers. Motor truck cargo for the freight you haul. Non-trucking liability (bobtail) when not under dispatch. Trailer interchange when swapping trailers. Options for general liability at docks and terminals.

Keep Your Authority Active

We coordinate required endorsements and filings-like federal proof of financial responsibility-so your operating authority stays in good standing. Certificates are issued promptly for brokers and shippers.

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

Programs That Grow With You

Whether you're leased on or running under your own authority, we'll match programs to your routes and commodities. As you add units, we'll adjust limits, deductibles, and cargo terms to keep pricing competitive and contracts compliant.

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Answers for ND Carriers

  • What limits do I need?

    Many carriers carry $1M liability; higher limits may be required by contract or commodity.

  • Do you insure owner-operators?

    Yes-leased on or with your own authority, we have options.

  • Can you cover my cargo?

    Yes-terms depend on commodity and value; we'll tailor your cargo form.

  • What about downtime and rentals?

    We can discuss rental reimbursement and downtime endorsements where available.