Nationwide is the best liability insurance provider in North Dakota, with a MoneyGeek score of 96 out of 100. Thimble, NEXT, The Hartford and Hiscox are also great options for general liability policies.
Best General Liability Insurance in North Dakota
Updated: June 20, 2025
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Key Takeaways
Overall, the best general liability insurance company in North Dakota is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in North Dakota is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $3 a month.
We found that general liability insurance costs in North Dakota can range from $30 to $2,522 monthly on average, depending on the industry your business is in.
Best Cheap General Liability Insurance in North Dakota
| Nationwide | 96 | $35 | $35 |
| NEXT | 90 | $27 | $3 |
| Thimble | 88 | $24 | $58 |
| The Hartford | 88 | $34 | $77 |
| Hiscox | 83 | $32 | $112 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Nationwide secures our recognition as North Dakota's top general liability insurance provider by balancing reasonable costs with outstanding customer care. The insurer ties for first place with the lowest NAIC claims ratio while earning second place for LLC cost-effectiveness, with businesses paying around $420 annually on average for comprehensive liability coverage.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT takes home our award for North Dakota's cheapest general liability insurance option. Sole proprietors benefit from excellent rates at $27 per month, the second lowest in the state. It also offers the lowest prices for LLCs. Though their claims ratio runs higher than other North Dakota providers we've examined, the company compensates with its hassle-free purchasing process and same-day proof of insurance services.
How Much Is General Liability Insurance in North Dakota?
An average general liability insurance policy in North Dakota typically costs around $30 per month for sole proprietors and $62 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $873 | $51 |
| General Contractor | $2,522 | $221 |
| Software Development | $62 | $30 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in North Dakota
General liability insurance costs can fluctuate based on a number of different factors in North Dakota. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits greatly influence insurance premiums. Choosing higher limits will lead to increased costs, while opting for lower limits generally results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and substantial payroll expenses are likely to experience higher general liability insurance costs. This trend is evident in both LLCs and sole proprietorships.
Business location
The location of your business plays a significant role in determining insurance costs. State-level average rates can differ between cities, so it's important to consider these variations when assessing your coverage needs.
Claims history
A business with a record of multiple claims may be viewed as higher risk by insurance providers, leading to increased premiums.
Industry
High-risk industries, like construction, often incur higher general liability insurance costs.
North Dakota General Liability Insurance: Buyer's Guide
We've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in North Dakota, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
We've created a step-by-step guide to simplify your coverage search to help you get the best small business insurance regardless of your industry.
- 1
Define your coverage needs
Determine your liability risk by taking into account your industry, products or services, customer types, business size and market impact. Measure the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs For Your Business
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business. Knowing average expenses will help you judge whether a company is saving you money.
- 3
Consult similar businesses
You can get recommendations from businesses that are better for your specific needs and an understanding of what claims are common within your industry. They may also provide ways to mitigate risks associated with general liability insurance, so you don't need more coverage than necessary.
- 4
Compare multiple options through different means
Comparing multiple companies helps you judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing and provide more opportunities for advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in North Dakota?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. But, if you want to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. Your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses, like health care, building, or selling things, might face bigger risks. These companies often see higher insurance claims. If your business is in one of these areas, consider getting more insurance to stay safe. Bigger companies with more workers or a broader customer base should check their risk, too. They might need more insurance than the basic amount.
Best General Liability Insurance in North Dakota: Bottom Line
The best general liability insurance companies in North Dakota are Nationwide, NEXT, and Thimble. Nationwide stands out with a high MoneyGeek score and affordable rates for both sole proprietors and larger companies. NEXT offers the lowest monthly premium for sole proprietors at just $27. Thimble also provides competitive pricing and a quick quote process.
General Liability Insurance in North Dakota: FAQ
Below, we address frequently asked questions regarding general liability insurance in North Dakota:
Which company has the best general liability insurance in North Dakota?
MoneyGeek's leading choice for general liability insurance in North Dakota is Nationwide, which earned an overall score of 96 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in North Dakota?
NEXT offers the most affordable rates for LLCs at $36 per year. For sole proprietors, Thimble is cheapest with annual rates of $288.
Does North Dakota require businesses to have general liability insurance?
In North Dakota, while it's not required by law, getting general liability insurance is advisable to protect your business against potential financial losses from claims made by third parties.
How We Chose the Best General Liability Insurance Providers in North Dakota
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and A.M. Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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.