The Hartford tops our list for the best general liability insurance in North Dakota, delivering the best combination of affordable rates and quality service. NEXT and Nationwide also rank highly, both offering excellent customer support.
General Liability Insurance in North Dakota
The Hartford is the top-rated general liability insurance company in North Dakota, scoring 4.59 out of 5.
Explore low-cost general liability insurance in North Dakota below.
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Updated: October 3, 2025
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Key Takeaways
The Hartford, NEXT and Nationwide are the leading general liability insurance providers serving North Dakota businesses.
Selecting the right general liability coverage in North Dakota requires careful consideration of your business type, size and specific coverage requirements.
A thorough evaluation process includes comparing small business insurance quotes, reviewing insurer financial strength ratings and verifying proper licensing within North Dakota.
Best General Liability Insurance Companies in North Dakota
| The Hartford | 4.59 | $72 |
| NEXT | 4.57 | $89 |
| Nationwide | 4.52 | $84 |
| Simply Business | 4.48 | $83 |
| Coverdash | 4.38 | $90 |
| Thimble | 4.35 | $93 |
| biBerk | 4.29 | $99 |
| Chubb | 4.27 | $103 |
| Progressive Commercial | 4.26 | $88 |
| Hiscox | 4.19 | $99 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage represents just one piece of comprehensive business protection in North Dakota. Explore these additional insurance options to safeguard your company:
Best North Dakota Small Business Insurance Reviews
We analyzed the leading insurance providers in North Dakota and identified the key advantages that make each one worth considering for your general liability insurance requirements.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$72Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$89Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in North Dakota
The Hartford offers the cheapest general liability insurance in North Dakota at $72 monthly or $861 per year. Simply Business and Nationwide also provide affordable rates.
| The Hartford | $72 | $861 |
| Simply Business | $83 | $995 |
| Nationwide | $84 | $1,014 |
| Progressive Commercial | $88 | $1,054 |
| NEXT | $89 | $1,070 |
| Coverdash | $90 | $1,074 |
| Thimble | $93 | $1,117 |
| Hiscox | $99 | $1,189 |
| biBerk | $99 | $1,190 |
| Chubb | $103 | $1,235 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in North Dakota
General liability insurance in North Dakota averages $90 monthly or $1,073 annually, running about $14 below the national average each month. Your premium depends on your industry, business size and claims history. Construction companies pay higher premiums due to increased risk exposure, while consulting firms pay less.
Average Cost of General Liability Insurance by Industry
The cost of general liability insurance vary dramatically by industry in North Dakota. Pressure washing businesses pay the most at $800, while drone operators pay the most affordable rates at just $15 per month. The table below shows how premiums differ across various business types.
| Accountants | $19 | $231 |
| Ad Agency | $31 | $371 |
| Automotive | $47 | $559 |
| Auto Repair | $133 | $1,593 |
| Bakery | $79 | $947 |
| Barber | $39 | $464 |
| Beauty Salon | $58 | $701 |
| Bounce House | $61 | $736 |
| Candle | $48 | $576 |
| Cannabis | $59 | $703 |
| Catering | $77 | $919 |
| Cleaning | $116 | $1,389 |
| Coffee Shop | $78 | $940 |
| Computer Programming | $25 | $305 |
| Computer Repair | $42 | $500 |
| Construction | $153 | $1,837 |
| Consulting | $19 | $230 |
| Contractor | $223 | $2,672 |
| Courier | $171 | $2,049 |
| Daycare | $29 | $345 |
| Dental | $19 | $225 |
| DJ | $22 | $265 |
| Dog Grooming | $55 | $665 |
| Drone | $15 | $175 |
| Ecommerce | $64 | $767 |
| Electrical | $98 | $1,179 |
| Engineering | $35 | $417 |
| Excavation | $407 | $4,881 |
| Florist | $37 | $449 |
| Food | $94 | $1,129 |
| Food Truck | $124 | $1,486 |
| Funeral Home | $53 | $633 |
| Gardening | $98 | $1,178 |
| Handyman | $213 | $2,558 |
| Home-based | $21 | $249 |
| Home-based | $40 | $477 |
| Hospitality | $57 | $683 |
| HVAC | $214 | $2,572 |
| Janitorial | $120 | $1,437 |
| Jewelry | $35 | $422 |
| Junk Removal | $142 | $1,703 |
| Lawn/Landscaping | $105 | $1,260 |
| Lawyers | $20 | $239 |
| Manufacturing | $56 | $670 |
| Marine | $24 | $294 |
| Massage | $84 | $1,005 |
| Mortgage Broker | $20 | $240 |
| Moving | $108 | $1,300 |
| Nonprofit | $31 | $376 |
| Painting | $126 | $1,507 |
| Party Rental | $69 | $833 |
| Personal Training | $21 | $250 |
| Pest Control | $28 | $338 |
| Pet | $49 | $587 |
| Pharmacy | $54 | $648 |
| Photography | $21 | $253 |
| Physical Therapy | $96 | $1,154 |
| Plumbing | $316 | $3,788 |
| Pressure Washing | $800 | $9,597 |
| Real Estate | $46 | $558 |
| Restaurant | $127 | $1,520 |
| Retail | $57 | $686 |
| Roofing | $339 | $4,068 |
| Security | $122 | $1,458 |
| Snack Bars | $103 | $1,231 |
| Software | $23 | $276 |
| Spa/Wellness | $93 | $1,119 |
| Speech Therapist | $27 | $327 |
| Startup | $25 | $300 |
| Tech/IT | $23 | $276 |
| Transportation | $33 | $394 |
| Travel | $18 | $219 |
| Tree Service | $113 | $1,360 |
| Trucking | $90 | $1,075 |
| Tutoring | $26 | $317 |
| Veterinary | $39 | $470 |
| Wedding Planning | $24 | $290 |
| Welding | $144 | $1,729 |
| Wholesale | $39 | $468 |
| Window Cleaning | $139 | $1,669 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in North Dakota?
North Dakota does not require most businesses to carry general liability insurance at the state level. Operating without coverage won't trigger statewide penalties for most companies.
Municipalities may have their own requirements, and some trades must maintain specific coverage to keep their professional licenses active:
Electricians
Licensed electricians in North Dakota must carry general liability insurance with minimum limits of $300,000 per occurrence and $600,000 annual aggregate. This coverage must include completed operations protection.
Electrical Sign Contractors
Electrical sign contractors follow the same insurance requirements as electricians in North Dakota, requiring $300,000 per occurrence and $600,000 annual aggregate general liability coverage with completed operations.
HVAC Contractors
HVAC contractor insurance requirements in North Dakota vary by license classification. Most contractors need minimum coverage of $300,000 per occurrence and $600,000 annual aggregate.
Fire Safety Companies
Fire safety companies must maintain general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 annual aggregate for North Dakota registration.
Your North Dakota business insurance must include general liability insurance, regardless of legal requirements. Most commercial property owners demand proof of coverage before approving lease agreements. Large corporations and government contracts ask for valid insurance certificates from all contractors.
How to Choose the Best General Liability Insurance in North Dakota
The way to get business insurance in North Dakota is determining what financial protection your business actually needs and finding general liability coverage that fits your budget.
- 1
Determine your coverage needs
Start by checking if your industry has specific licensing requirements in North Dakota. Many clients and contractors expect businesses to carry at least $1 million in coverage, even when state minimums are lower.
- 2
Prepare your business information
Gather details like annual revenue, employee count, business type and location before requesting quotes.
- 3
Compare multiple insurance quotes
Request quotes from at least three insurers since the cost of business insurance differs between providers.
- 4
Review policy terms carefully
Look beyond just the cheapest business insurance when comparing policies. Some insurers cover legal defense costs in addition to your coverage limit.
- 5
Research insurer financial stability
Use the state insurance department website to verify company licenses and agent credentials. Check AM Best ratings and customer complaint records.
- 6
Ask about available discounts
Many insurers offer reduced rates for bundling multiple business insurance coverage types, implementing safety programs or maintaining a clean claims history.
- 7
Obtain your insurance certificate
Ask for your certificate of insurance once you purchase coverage, as clients and landlords often require this proof.
How to Prevent General Liability Claims in North Dakota
No business owner wants to handle commercial insurance claims, but North Dakota entrepreneurs can avoid most general liability issues through smart preparation and proactive planning.
Watch out for property hazards
North Dakota weather can be extreme. For instance, flooding, blizzards, snow and ice can occur. Fix that cracked sidewalk before someone trips, and clear walkways after snow and ice. Good lighting in your parking lot isn't optional.
Train your people well
Your team's mistakes become your problems. That new server needs to know how hot plates work. Your contractor should understand proper ladder safety. Spend time on training now, or spend money on lawyers later.
Keep good records
Photos save lawsuits. You'll want before-and-after pictures when that client claims you damaged their fence. Document your work, save your communications and keep your contracts organized. Paper trails matter in court.
Get everything in writing
Confusion about where you're supposed to work leads to property damage claims. Put work locations, access routes and off-limits areas in writing. Clear boundaries prevent disputes about responsibility when accidents happen.
Fix problems fast
Upset customers sue; happy customers don't. When something goes wrong, address it immediately. Most people want their problems solved, so give them that, and you'll avoid court.
General Liability Insurance in North Dakota: Bottom Line
Securing quality general liability insurance in North Dakota requires matching coverage to your specific business needs. The Hartford, NEXT, and Nationwide emerge as top-performing providers in the state, but your ideal choice depends on industry type, company size, and available budget. Smart business owners gather quotes from multiple insurers and verify each provider's licensing status before making their final selection.
Commercial General Liability Insurance in North Dakota: FAQ
Our research and analysis helped us answer the most common general liability insurance questions facing North Dakota business owners today.
What does general liability insurance cover for North Dakota businesses?
General liability insurance covers third-party bodily injuries, property damage you cause to others, and legal defense costs.
How much does general liability insurance cost in North Dakota?
General liability insurance costs in North Dakota range from $72 to $103 monthly for small businesses. The Hartford provides the most affordable coverage at $72 per month, while Simply Business and Nationwide offer competitive alternatives at $83 and $84 monthly respectively. Your actual premium depends on industry type, business size, location, and coverage limits you select.
Do North Dakota businesses legally need general liability insurance?
North Dakota does not mandate general liability insurance for most businesses. However, municipalities may impose their own requirements, and certain licensed professionals like contractors and electricians must maintain specific coverage levels.
Which company offers the best general liability insurance in North Dakota?
The Hartford leads North Dakota's general liability insurance market with a 4.59 overall score, excelling in financial stability and affordability at $72 monthly.
What coverage limits should North Dakota businesses choose?
North Dakota businesses should first verify minimum coverage requirements for their specific industry licenses. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How can North Dakota businesses prevent general liability claims?
North Dakota businesses can minimize liability claims by promptly addressing property hazards and holding regular employee safety training.
Can North Dakota businesses get discounts on general liability insurance?
Yes, North Dakota businesses can secure discounts on general liability insurance by bundling general liability with commercial property insurance, implementing workplace safety programs or maintaining claims-free records.
How quickly can North Dakota businesses get general liability coverage?
North Dakota businesses can obtain general liability coverage within minutes through digital insurance platforms.
What should North Dakota businesses do when filing a general liability claim?
North Dakota businesses must immediately report incidents to their insurance carrier and thoroughly document everything.
How does general liability differ from professional liability coverage?
Comparing general liability vs professional liability involves understanding what risks each one covers. General liability insurance protects businesses from third-party bodily injuries and property damage occurring during operations, such as customer falls or accidental damage to client property. Professional liability coverage addresses errors in services provided, like missed deadlines or faulty advice causing financial harm..
How We Scored the Best General Liability Insurance Companies in North Dakota
North Dakota businesses encounter specific liability challenges, including weather-related incidents and workplace accidents across diverse industries. We analyzed general liability insurance providers to identify companies offering dependable coverage at reasonable rates for local small businesses.
What We Evaluated
- Affordability (50%): North Dakota small businesses need cost-effective protection. We analyzed premium rates across insurers because reasonable pricing determines whether businesses can maintain important coverage.
- Customer experience (30%): Quality claims service protects business operations when incidents occur. We examined J.D. Power ratings, state complaint data, and independent agent feedback to assess insurer responsiveness and claim resolution.
- Coverage options (15%): North Dakota businesses span multiple industries with varying liability exposures. We evaluated how effectively insurers customize general liability policies for different business types, from retail shops to construction companies.
- Financial strength (5%): Low premiums mean nothing if insurers cannot pay valid claims. We reviewed AM Best ratings and financial stability reports to confirm companies maintain adequate reserves for claim payments.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
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- NEXT. "Customer Reviews | NEXT." Accessed October 19, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed October 19, 2025.
- Trustpilot. "The Hartford Reviews." Accessed October 19, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed October 19, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed October 19, 2025.