This one is an easy decision.
Insure your business with Nodak Mutual Insurance.
Business Insurance
Insuring your business with Nodak Mutual can be one of the best business decisions you make.
Nodak Mutual agents provide the answers you need
to make educated insurance decisions.
Learn about basic business owner's coverage
Learn about basic business owner's coverage
Your business owner's policy covers your building and business property. Plus, it protects you from liability exposures due to injuries and damage caused by your business.
General liability protection includes:
- Bodily injury and property damage
- Personal and advertising injury
- Medical payments
- Products completed operations
- Supplemental payments
You're also protected against:
- Business property damage
- Building damage
- Business income/extra expense
- Outdoor sign damage
- Employee dishonesty
- Valuable documents on and off premises
- Water backup and sump pump overflow
- Electronic data
- Forgery or alteration
- Money & securities
- Equipment breakdown
- Accounts receivable
Is your business in construction or home services?
Is your business in construction or home services?
Specific coverage is available for these trades:
- Carpet cleaning
- Concrete construction
- Electrical work
- Landscape gardening
- Floor covering installation
- Painting
- Siding installation
- Self storage facilities
- Offices
- Retail stores
- Distributors
- Wholesales
- Apartments
- Restaurants and cafes
- and many others
Additional business coverage available for:
- Contractors equipment
- Builders risk
- Installation
- Bonding
- Property
- Auto
- Excess liability
A few of our most common questions…
My employees prefer their own tools on the job. Is that covered?
Many of my tools "walked away" when an employee left.
If a fire damages or destroys my business, how will I replace the loss of
business income or operating expenses?
If a fire damages or destroys my business, how will I replace the loss of business income or operating expenses?
Damage or destruction to your business can cripple your operation and jeopardize your future. To protect your business and ensure its future, Nodak Mutual coverage provides for loss of business income and extra expenses, such as payroll, that might result from a fire.
This website contains only a general description of coverage, and is not a policy contract. Coverage under a Nodak Mutual Insurance product is subject to terms, conditions and exclusions in the actual policy.