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
- Pollution
- Care, Custody, and Control (When the Insured's Business Has a Customer's Vehicle in Their Care, Custody, and Control)
Apartment and Condo Building Insurance
Apartment insurance, or renters’ insurance, helps protect tenants financially in cases of theft, fire, or accidents. While landlords insure the building, their policies do not cover a tenant’s personal property or liability.
If you own an apartment building or a one, two or four family duplex, we have the company that will fit your specific needs. The coverage can include:
- 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)
- Pollution Clean Up and Removal
- Products or Completed Operations
- Product Recall
- Additional Insureds
- Professional Liability
- Liquor Liability
- Spoilage
- Cyber Liability / Data Breach
- Commercial Umbrella
- Care, Custody and Control (When the your Business has Customer's Property in upir Care, Custody, and Control
- Electronic Data
- Utility Service (Equipment Breakdown)
- Civil Authority
- Directors and Officers
- Extended Reporting Period
- Prior Acts
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
Contractor insurance protects your construction business in case of lawsuits, on-the-job injuries, damage to your equipment, lost income and more. This policy can be a custom built to address the specific risk that come with the job.
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 for 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.
Contact Information
Phone:
(701) 223-5812
Toll-Free:
(866) 286-5812
Address: 4501 Coleman Street Suite 108 Bismarck, ND 58503
Bowerman Insurance Agency:
(701) 475-2340
Toll Free:
(800) 435-0310
Bowerman Insurance Agency: 114 Mitchell Ave South Steele, ND 58482