Business Owners

Business Owners in North Dakota

Our Special Business Owners Policy offers you security and peace of mind by transferring many of your risks to us.

Our Business Liability Coverage Includes:

Protection for all your operations and premises, whether you own, operate or lease them. Our policy can provide liability coverage for up to $1,000,000.

Our Special Property and Liability Coverage Includes:

  • Bodily injury or property damage that arises from yourbusiness operations.
  • Medical expenses of customers who are accidentally injured on your premises (limit of $5,000).
  • Up to $100,000 for damage to premises rented to you caused by fire.
  • Liability for business activities of your partners and employeeswhile acting on your behalf.
  • Liquor liability for business functions (except when you are inthe business of manufacturing, selling or serving liquor).
  • Liability for false arrest, libel, slander, wrongful entry or eviction.
  • Liability for advertising that violates anothers property or
    privacy rights.

We Offer Supplemental Coverages:

  • Up to $100,000 for damage to premises rented to you caused by fire.
  • Hired Auto and Non-Owned Auto Liability (not included if you have acommercial auto policy)
  • Up to $100,000 in Employment Practices Liability (Includes defense cost)
  • Up to $10,000 in Data Breach Protection
  • Up to $10,000 in coverage for restoration of accounts receivable andvaluable papers (limit can be increased)
  • Up to $10,000 in coverage for restoration of electronic media and records.
  • Up to $500,000 in coverage for a newly acquired or constructed building.
  • Up to $250,000 in coverage for business personal property at a newlyacquired or constructed building.
  • Up to 12 months in coverage for loss of business income and extra expense.
  • Up to $10,000 for money and securities inside and $2,000 outside.
  • Up to $10,000 coverage for employee dishonesty (limit can be increased upto $50,000)
  • Up to $5,000 coverage for personal effects of others.
  • Mechanical and electrical breakdown (restriction could apply).
  • Up to $5,000 coverage for business income due to a covered cause of lossat a dependent property.


****All coverage is subject to policy terms and conditions, see your policy for details****