NEXT offers the best professional liability insurance in North Dakota with competitive rates and solid customer support. The Hartford takes second place, while Simply Business rounds out the top three.
Professional Liability Insurance in North Dakota
NEXT earns the highest score of 4.74 out of 5 in our analysis of the best professional liability insurance in North Dakota.
Discover cheap professional liability insurance in North Dakota below.
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Updated: October 3, 2025
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Best Professional Liability Insurance in North Dakota: Key Takeaways
NEXT is our top pick for professional liability insurance in North Dakota, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best North Dakota professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best small business insurance for your professional liability needs in North Dakota.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in North Dakota
| NEXT Insurance | 4.74 | $63 |
| The Hartford | 4.62 | $63 |
| Simply Business | 4.53 | $66 |
| Coverdash | 4.46 | $67 |
| Nationwide | 4.45 | $72 |
| biBERK | 4.44 | $69 |
| Progressive Commercial | 4.38 | $66 |
| Hiscox | 4.37 | $67 |
| Chubb | 4.28 | $77 |
| Thimble | 4.25 | $66 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability protects North Dakota businesses from specific risks, but other coverage types work together to create comprehensive financial protection.
Best North Dakota Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for North Dakota businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$63These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$63These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in North Dakota
NEXT offers the cheapest professional liability coverage in North Dakota at $63 monthly ($751 annually). The Hartford provides another budget-friendly option at $63 per month, giving business owners solid protection choices.
| NEXT Insurance | $63 | $751 |
| The Hartford | $63 | $754 |
| Progressive Commercial | $66 | $791 |
| Simply Business | $66 | $793 |
| Thimble | $66 | $795 |
| Coverdash | $67 | $801 |
| Hiscox | $67 | $805 |
| biBERK | $69 | $828 |
| Nationwide | $72 | $864 |
| Chubb | $77 | $924 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in North Dakota
Professional liability insurance costs $68 monthly ($810 annually) in North Dakota, which is $10 less than the national average. Home-based businesses pay around $32 per month, while mortgage brokers average $140. Rates also vary based on business location, claims history and coverage limits.
| Accountants | $125 | $1,499 |
| Ad Agency | $87 | $1,043 |
| Auto Repair | $72 | $869 |
| Automotive | $65 | $785 |
| Bakery | $46 | $550 |
| Barber | $37 | $445 |
| Beauty Salon | $43 | $514 |
| Bounce House | $53 | $631 |
| Candle | $37 | $441 |
| Cannabis | $108 | $1,293 |
| Catering | $70 | $839 |
| Cleaning | $47 | $569 |
| Coffee Shop | $53 | $631 |
| Computer Programming | $92 | $1,101 |
| Computer Repair | $55 | $660 |
| Construction | $67 | $808 |
| Consulting | $91 | $1,098 |
| Contractor | $56 | $669 |
| Courier | $43 | $519 |
| DJ | $40 | $481 |
| Daycare | $92 | $1,104 |
| Dental | $75 | $895 |
| Dog Grooming | $47 | $569 |
| Drone | $91 | $1,097 |
| Ecommerce | $54 | $650 |
| Electrical | $56 | $671 |
| Engineering | $91 | $1,097 |
| Excavation | $58 | $698 |
| Florist | $33 | $394 |
| Food | $96 | $1,146 |
| Food Truck | $52 | $624 |
| Funeral Home | $70 | $843 |
| Gardening | $35 | $420 |
| HVAC | $71 | $849 |
| Handyman | $46 | $554 |
| Home-based business | $32 | $388 |
| Hospitality | $64 | $772 |
| Janitorial | $43 | $518 |
| Jewelry | $53 | $640 |
| Junk Removal | $59 | $710 |
| Lawn/Landscaping | $45 | $540 |
| Lawyers | $126 | $1,512 |
| Manufacturing | $53 | $639 |
| Marine | $75 | $905 |
| Massage | $92 | $1,103 |
| Mortgage Broker | $140 | $1,684 |
| Moving | $71 | $846 |
| Nonprofit | $45 | $534 |
| Painting | $55 | $661 |
| Party Rental | $48 | $578 |
| Personal Training | $59 | $713 |
| Pest Control | $84 | $1,002 |
| Pet | $39 | $473 |
| Pharmacy | $50 | $604 |
| Photography | $55 | $661 |
| Physical Therapy | $82 | $987 |
| Plumbing | $77 | $929 |
| Pressure Washing | $51 | $606 |
| Real Estate | $109 | $1,314 |
| Restaurant | $72 | $859 |
| Retail | $48 | $573 |
| Roofing | $86 | $1,031 |
| Security | $88 | $1,058 |
| Snack Bars | $42 | $500 |
| Software | $83 | $995 |
| Spa/Wellness | $96 | $1,148 |
| Speech Therapist | $87 | $1,040 |
| Startup | $63 | $759 |
| Tech/IT | $85 | $1,026 |
| Transportation | $82 | $986 |
| Travel | $84 | $1,009 |
| Tree Service | $65 | $785 |
| Trucking | $95 | $1,143 |
| Tutoring | $53 | $635 |
| Veterinary | $101 | $1,209 |
| Wedding Planning | $66 | $794 |
| Welding | $68 | $811 |
| Wholesale | $54 | $646 |
| Window Cleaning | $54 | $647 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in North Dakota?
Professional liability insurance requirements in North Dakota depend on your specific profession. Health care providers, attorneys and certain licensed professionals often face mandatory coverage rules, while other industries rely on client contracts and risk management. Even when not legally required, coverage amounts should reflect your exposure level and what clients expect. Many higher-risk fields carry at least $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in North Dakota carry greater liability exposure than others, directly affecting your coverage needs. High-risk fields like architects designing commercial buildings in Fargo or technology consultants serving oil companies face more potential claims. Professional liability risks for accountants in smaller towns or real estate agents in Grand Forks are lower.
Client Requirements
Many clients and contracts in North Dakota require proof of professional liability insurance at specific limits before you can begin work. Corporations, government contracts, and large organizations often set minimum coverage levels of $1 million or more as a condition of doing business. Meeting these requirements ensures you can compete for higher-value contracts across the state.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a lawsuit in North Dakota's legal environment. Small mistakes might lead to minor penalties of a few thousand dollars, while errors in larger projects like commercial developments or energy infrastructure could result in six-figure damages plus legal fees. Consider the maximum financial exposure from your typical project size when selecting coverage limits.
How to Get the Best Professional Liability Insurance in North Dakota
Our step-by-step process show you how to get business insurance that fits your North Dakota professional liability needs and budget.
- 1
Evaluate Your Risk Exposure
Different businesses face varying liability risks in North Dakota. A regional accounting firm typically needs higher coverage limits than a freelance graphic designer. Review your client contracts and industry standards to determine appropriate coverage amounts.
- 2
Find a Knowledgeable Local Agent
Look for an agent who knows North Dakota's business landscape and understands how business insurance costs vary by location and industry. Local expertise helps match your coverage to regional industry demands and client expectations across different sectors.
- 3
Collect Multiple Detailed Quotes
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. A $1,000,000 policy can vary between providers.
- 4
Verify Insurer Financial Strength
When researching North Dakota business insurance, look beyond price. Research each company's AM Best rating and claims handling reputation before making decisions. Strong financial ratings and positive professional reviews indicate reliable coverage when filing a claim.
- 5
Explore Bundling Opportunities
Many insurers offer discounts when you get multiple types of business insurance coverage from one provider. Combine professional liability with general liability or business owner's policies. These bundle discounts can make comprehensive protection more affordable for small businesses statewide.
- 6
Maintain Continuous Policy Coverage
Professional liability operates on a claims-made basis, meaning coverage only applies when your policy is active. Always secure prior acts coverage or purchase tail coverage when switching insurers to avoid dangerous gaps in protection.
How to Prevent Professional Liability Claims in North Dakota
Most professional liability claims in North Dakota result from poor communication and unclear client expectations rather than actual mistakes. Even small disputes can trigger expensive legal battles costing thousands. These proven strategies help businesses prevent conflicts and avoid costly claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and project approvals. This documentation prevents disputes by providing a clear record of what was agreed upon. Written records serve as your strongest defense if disagreements arise about project details or client requests.
Use Detailed Contracts With Clear Scope
Create contracts that clearly define your responsibilities, project timelines and specific deliverables. Outline exactly what services are included and what falls outside the project scope to avoid conflicts over additional work. Well-defined contracts protect both you and your client by establishing clear boundaries from the start.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before proceeding with any modifications to the original plan. Document how these changes affect project timelines, budgets and final deliverables. This practice prevents misunderstandings and ensures everyone agrees on revised project parameters.
Set Realistic Expectations Upfront
Be transparent with clients about project timelines, potential challenges and expected results from the beginning. Honest communication about your capabilities and limitations helps avoid overpromising and reduces the likelihood of disputes. Clear expectations create trust and prevent disappointment that can lead to liability claims.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional recommendations. This documentation demonstrates your diligence and professional standards if your work is ever questioned. Detailed records provide essential protection and can validate your decision-making process during disputes.
North Dakota Professional Liability: Bottom Line
Professional liability insurance in North Dakota requires understanding your business risks before selecting coverage. NEXT leads our rankings, but your industry, client contracts and budget matter most in the final decision. Assess your needs first, then work with a local agent to compare options and secure coverage that delivers solid financial protection.
North Dakota Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in North Dakota.
Is professional liability insurance required in North Dakota?
North Dakota doesn't legally require professional liability insurance, but client contracts and industry standards often demand coverage. Many professionals carry it anyway for financial protection and credibility with clients.
What does professional liability insurance cost in North Dakota?
Professional liability insurance in North Dakota costs between $63 and $77 monthly, depending on your provider. Your actual premium depends on your industry's risk level, claims history, coverage limits, and business location, making each policy unique to your specific circumstances.
Which professional liability insurance company is best in North Dakota?
NEXT takes the top spot for professional liability insurance in North Dakota, scoring 4.74 out of 5 for its affordable rates and excellent customer service. The Hartford ranks second with a solid 4.62 rating, while Simply Business rounds out the top three at 4.53, providing competitive coverage options for local businesses.
How much professional liability coverage do I need in North Dakota?
Professional liability coverage amounts in North Dakota depend on your industry's risk level, client contract requirements, and potential lawsuit costs. Higher-risk professions like architects and consultants typically need coverage limits of $1 million or more, while lower-risk businesses may require less protection.
Can I get professional liability insurance online in North Dakota?
Yes, you can purchase professional liability insurance online in North Dakota. Many insurers offer digital applications that take just minutes to complete, with instant policy certificates and 24/7 account management. This streamlined approach eliminates traditional paperwork delays and provides immediate coverage confirmation for busy professionals.
What's the difference between professional liability and E&O insurance?
Professional liability and errors and omissions (E&O) insurance are two names for the same coverage. Both protect you from claims about mistakes in your services. Some industries prefer one term, but they work the same way.
Do I need professional liability insurance if I work from home in North Dakota?
Yes, professional liability insurance remains essential for home-based businesses in North Dakota. Working from your residence doesn't eliminate the risk of costly professional mistakes. A freelance graphic designer could face claims for missing project deadlines, while a consultant might be sued for providing incorrect advice. Your work location doesn't reduce liability exposure, making coverage crucial for protecting your business.
What happens if I let my professional liability insurance lapse in North Dakota?
Allowing your professional liability insurance to lapse in North Dakota exposes you to significant financial risk. Claims-made policies only provide coverage when both the incident and claim occur during active policy periods. Even work completed years ago remains unprotected after coverage ends. To avoid costly gaps, secure prior acts coverage with your new insurer or purchase tail coverage from your previous carrier before your policy expires.
How We Scored the Best Professional Liability Insurance Companies in North Dakota
A professional liability lawsuit can devastate a small business in North Dakota or force it to close permanently. We evaluated insurers throughout the state to identify which companies provide the best financial protection for businesses from startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance choices. We gave affordability the highest weight because finding quality coverage within budget is essential for business survival.
- Customer experience (30%): Professional liability claims create significant stress for business owners. We assessed service quality through J.D. Power ratings and complaint records from the state's Department of Insurance.
- Coverage options (15%): We reviewed policy flexibility and exclusions specific to local professional services to ensure adequate protection.
- Financial strength (5%): AM Best financial ratings confirmed each recommended insurer maintains the stability to pay claims when businesses need it most.
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
- Alliance Health. "Provider Insurance Requirements." Accessed October 10, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed October 10, 2025.