MoneyGeek evaluated several factors to determine the best general liability insurance providers in North Dakota, including cost, customer satisfaction, financial stability and online quote processes.
Thimble is our top choice, offering reasonable monthly policy costs of $53 for LLCs with 20 employees and $22 for sole proprietors with no employees.
On the other hand, Next is the cheapest general liability insurer in the state, at approximately $25 per month for both sole proprietors and LLCs. However, the best provider for your business ultimately depends on your specific needs and circumstances.
Best General Liability Insurance in North Dakota




Best Overall General Liability Insurance in North Dakota
Based on MoneyGeek’s analysis, Thimble is the top general liability insurance company in North Dakota. It bested four other companies by earning a MoneyGeek score of 91 out of 100, thanks to its fast online quote process and low rates for sole proprietors. The table below displays the MoneyGeek scores and average costs of all North Dakota insurers that we analyzed.
How was this MoneyGeek score calculated?

Offers affordable rates for sole proprietors
Provides a quick online quote process
Receives more complaints than other insurers on average
Charges relatively high premiums for LLCs
Thimble stands out as the leading general liability insurance provider in North Dakota. Thimble's rates are the most affordable for sole proprietors in the state, averaging around $22 per month. Its quoting process is also the quickest and takes only 22 seconds to complete, allowing easy comparison with other providers.
Moreover, Thimble has an A+ rating for financial stability from AM Best, giving business owners the confidence that their claims will be fulfilled if they meet the criteria. That said, its pricing for LLCs is roughly average.
Cheapest General Liability Insurance in North Dakota
Next is the cheapest general liability insurance provider in North Dakota, with a monthly cost of $25 for both LLCs and sole proprietors. MoneyGeek's affordability score is determined by combining the costs for both business types equally. Although Next is the most affordable option overall, it is not the cheapest insurer for sole proprietorships.
How was this MoneyGeek score calculated?

Cheapest rates for LLCs
Produces online quotes in just over a minute
Subpar financial stability
MoneyGeek's research shows that Next is North Dakota’s most affordable general liability insurance provider, with a monthly cost of approximately $25 for LLCs and sole proprietors. Additionally, Next has a fast quoting process, taking just over one minute to produce an estimate, which can be helpful when comparing rates with other providers.
It's worth noting that AM Best gave Next a lower-than-average financial stability rating, indicating potential difficulties in meeting financial obligations. Despite this, Next's pricing and ease of obtaining quotes make it an attractive option for business owners who value affordability.
Best General Liability Insurance for Employers in North Dakota
With a MoneyGeek score of 97 out of 100, Nationwide is the top choice for employers seeking general liability insurance in North Dakota. Our analysis was based on the average monthly cost for LLCs with 20 employees.
When it comes to insurance costs, the size of your workforce plays a crucial role. Generally, businesses with fewer than 20 employees pay below the average cost, while those with more than 20 employees pay more.
How was this MoneyGeek score calculated?

Top-notch customer experience
Second-lowest rates available
Somewhat slow quote application process
MoneyGeek ranks Nationwide as the top general liability insurance provider for LLCs in North Dakota, scoring 97 out of 100. Nationwide offers affordable rates and outstanding customer service, making it an excellent choice for business owners who want high-quality coverage at a reasonable price.
In addition, Nationwide is rated A+ for financial stability by AM Best, which indicates that the company has a solid financial foundation and is capable of meeting its obligations to policyholders. This can provide reassurance that the insurer will fulfill its claims and commitments.
Best General Liability Insurance for Sole Proprietors in North Dakota
Thimble is our pick as the best general liability insurance provider for sole proprietors in North Dakota, with a MoneyGeek score of 95 out of 100. For an affordable rate of around $22 per month, Thimble provides ample coverage to protect your business.
Note that our rankings are based on average costs for sole proprietors with no employees. Keep in mind that businesses in higher-risk industries, such as construction, may face higher insurance costs.
How was this MoneyGeek score calculated?

Lowest rates for sole proprietors
Provides quick online estimates
Below-average customer service
If you’re a sole proprietor in North Dakota, we recommend Thimble as the best choice for general liability insurance. With its affordable rates averaging around $22 per month, Thimble beats all competitors for pricing. In addition, its quick online quoting process (taking just 20 seconds) allows for easy comparison with other providers.
AM Best has given Thimble an A+ rating for financial stability, so you can trust that your legitimate claims will be paid without hassle. Thimble's combination of affordability, efficiency and reliability makes it a strong contender for sole proprietors in North Dakota.
Do You Need General Liability Insurance in North Dakota?
Acquiring general liability insurance in North Dakota is not mandatory, but it's strongly recommended. This type of insurance offers vital protection against third-party liability claims, which can be costly for your business if not covered.
The following benefits are included in a general liability insurance policy:
- Third-party bodily injuries: If someone is injured while on your business premises, general liability insurance covers the medical expenses incurred.
- Third-party property damage: If your business or employees cause damage to another person's property, general liability insurance will cover the costs of the damages. This can help protect your business from unexpected expenses and potential lawsuits.
- Personal and advertising injury: If your business faces a lawsuit for libel, slander or copyright infringement, general liability insurance will cover the legal expenses and damages. This coverage can help protect your company's financial stability and reputation in case of litigation.
North Dakota state law mandates additional business insurance for those who meet certain qualifications. General liability coverage is particularly important in some industries for securing business licenses and contracts.
If you have one or more employees, workers' compensation insurance is mandatory for your company. Furthermore, if your business owns vehicles, you must obtain commercial auto insurance to comply with state regulations.
North Dakota’s minimum coverage limits for auto insurance are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist bodily injury liability per person
- $50,000 uninsured/underinsured motorist bodily injury liability per accident
- $30,000 Personal Injury Protection (PIP)
The North Dakota Small Business Development Centers (ND SBDC) offer free consulting services and training programs to help small business owners start and grow their operations. The organization provides guidance on various topics such as market research, financial analysis and business planning to help entrepreneurs make informed decisions and achieve their goals.
How Much Is General Liability Insurance in North Dakota?
For business owners in North Dakota with 20 employees, the average monthly cost of general liability insurance is $57, while sole proprietors with no employees can expect to pay an average of $28 per month. These rates are based on policies with a $2 million aggregate limit, a $1 million occurrence limit and a $0 deductible.
The aggregate limit represents the maximum amount the insurance provider will pay for claims throughout the policy period, while the occurrence limit is the highest coverage amount for each claim. In addition, the deductible is the amount that the business owner must pay before the insurance coverage takes effect.
It's crucial for small business owners in North Dakota to carefully evaluate their insurance needs and acquire adequate coverage to protect themselves against financial losses in the event of legal action.
Factors That Impact General Liability Insurance Costs in North Dakota
Several factors can impact the price of general liability insurance for a business in North Dakota.
Policy limits
Choosing a policy with higher coverage limits can provide you with greater protection, but it will also typically result in higher premiums. On the other hand, opting for lower coverage limits can help you reduce expenses, but you may leave your business vulnerable to financial loss if a claim exceeds your coverage limit.
Number of employees and payroll costs
Businesses with a larger payroll and more employees may face greater liability exposure, which insurers perceive as a higher risk that will likely lead to higher premiums. If your business falls under this category, you can expect to pay more for general liability insurance.
Business location
Insurance companies may charge higher rates for businesses operating in areas with a higher risk of liability claims, such as densely populated areas.
Claims history
When assessing the risk of a business, insurance companies take into account any past claims made. Businesses that have a history of claims are viewed as higher risk and subsequently charged higher premiums.
Industry
Industries that are classified as high-risk, such as construction, often face higher premiums for general liability insurance. The cost of insurance can also vary depending on the nature of the business. To give an idea of the potential costs, the table below shows the average cost of general liability insurance in North Dakota, categorized by industry.
Frequently Asked Questions About General Liability Insurance in North Dakota
In order to choose the most suitable general liability insurance policy for your business, it's crucial to take into account several factors and evaluate your specific requirements. MoneyGeek has addressed some common inquiries to help guide you toward the appropriate coverage.
About Melissa Wylie

sources
- North Dakota Small Business Development Centers. "ND SBDC." Accessed May 10, 2023.