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Business Insurance Coverage in Bismarck, ND
For information about our commercial insurance policies, call Gateway Insurance Agency in Bismarck, ND, at
(701) 223-5812.
Business and Commercial Insurance
Business and commercial insurance policies offer protection from significant property and liability risks.
Business and Commercial Property Insurance
This covers your property, such as a building and any inside business/commercial property you may have—for example, computers, office equipment, furniture, tools, small equipment, etc. If any item is worth more than $1,500, you should schedule it separately.
Business Interruption Insurance
This can compensate you for lost income if your company must move out of your current premises due to covered claims or damage, such as a fire. Interruption insurance covers the profits you would have earned, based on your financial records, had the damage not occurred. This would also cover operating expenses.
Business and Commercial General Liability
Coverage for your business/commercial liability exposures, for example, your company's legal responsibility for the harm it may cause others. This would result from anything you or your employees did or didn't do that may cause bodily injury or property damage due to defective products, faulty installations, or service errors.
Business and Commercial Auto Insurance
Coverage is available for the auto you use for business. Whether for your business in town or your farm or ranch out in the country. Protect your farm or commercial business with insurance because road conditions, weather, or other drivers on the road are simply beyond your control. Additional coverage is available for pollution, employees, hired and non-owned auto, loan or lease, loss of use, or replacement cost; there are also additional endorsements.
Optional Endorsements Available
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)
- Individual Named Insured
- Additional Personal Injury Protection
- Drive Other Car
- Individual Named Insured (This Endorsement Is Needed if the Owner or Insured Doesn't Own a Private Personal Vehicle)
- Transportation Expenses
- Loss of Use Expenses
- Auto Loan or Lease Gap
- Roadside Assistance
Apartment and Condo Building Insurance
We can find the right coverage for you if you own an apartment building or a family duplex. We will ensure it covers both property and liability or medical coverage and offer you the opportunity to customize the package with options that meet your needs. The coverage can include the following:
- Building and Other Structures
- Business Personal Property
- Liability and Medical Expenses
Optional Endorsements
- Replacement Cost Coverage on structures and business personal property
- Business Income or Loss of Income
- Extra Expense Coverage
- Inflation Guard Protection
- Increased Cost of Construction (Ordinance or Law)
- Pollutant Clean-Up and Removal
- Products or Completed Operations
- Product Recall
- Additional Insureds
- Professional Liability
- Liquor Liability
- Spoilage
- Cyber Liability
- Commercial Umbrella
- Care, Custody, and Control
- Electronic Data
- Utility Service (Equipment Breakdown)
- Contractors
Employer Coverage Endorsements
- Employee Benefit Liability
- Employment Related Practices Liability
- Employee Dishonesty or Theft
- Hired Auto and Non-Owned Auto
- Directors and Officers
- Management Personnel
- Robbery
- Money and Securities
- Computer Fraud
- Money Orders and Counterfeit Money
- Crime Coverages
Bond Insurance
Bond insurance is a type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default. A critical difference between bonds and insurance is that insurance protects your business if you are accused of a wrong. In contrast, a surety bond protects your client's business if you do something wrong.
Contractor's Insurance
General contractor’s insurance protects against lawsuits and claims related to bodily injury, property damage, and other losses that can occur during a construction or remodeling project.
The contractor's liability insurance covers claims arising from damage a contractor causes to a third party. This is one of the most crucial insurance coverages a contractor should get since it covers the liability risks associated with ongoing business operations (while at the job site). Coverage is also available for the business owner for legal liability relating to advice or services offered to clients. Other types of insurance may also be relevant to a contractor, such as insurance against loss of income.
Do you need more information about commercial insurance? Call us at (701) 223-5812.