Commercial Insurance Coverage in Steele, ND

Protect your business for success with Bowerman Insurance Agency in Steele, ND. Call our agents at (701) 475-2340 to get started with a quote.

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.

Call our agents at (701) 475-2340 to keep your business covered with the right insurance.

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