Best Small Business Insurance in North Dakota

At $95 monthly, NEXT earned first place among North Dakota providers by ranking first for customer service and offering the state's lowest professional liability rates at $63 monthly. The mobile platform delivers same-day certificates contractors need for client agreements. Business owner's policies cost $6 more monthly, so budget-focused businesses bundling coverages may find better value elsewhere.

Professional liability costs $63 monthly ($5 below North Dakota's average) positioning NEXT as the most affordable option for consultants needing errors and omissions protection. General liability matches the state average at $89 monthly. Business owner's policies run $134 monthly ($6 above average), so businesses prioritizing bundled savings should compare The Hartford and Thimble for lower BOP costs.

The mobile app delivers instant quotes and same-day certificates, earning NEXT first place nationally for digital experience, which is critical when contractors need proof fast. Customers rate the company highest for likelihood to recommend and policy management. Claims processing ranked fourth, and you'll handle claims by phone rather than meeting with a local agent.

NEXT's mobile app lets you bind coverage and generate certificates in minutes, eliminating the wait when clients need proof before you start work. General liability automatically includes hired and non-owned auto coverage when employees use personal vehicles for deliveries or job sites. Professional liability covers errors and omissions with limits up to $2 million for service-based businesses.

At $78 monthly, The Hartford delivers North Dakota's lowest general liability and BOP rates with an A++ financial rating. Customers rate it first nationally for claims and service, though policy changes require agent contact rather than app-based updates. Growing businesses and cost-focused operations benefit most from proven stability combined with consistently low pricing.

At $72 monthly, The Hartford's general liability saves North Dakota businesses $18 monthly compared to state averages. Upgrading to a business owner's policy costs just $27 more, making BOPs at $99 cost-effective for businesses with equipment or physical locations. Professional liability runs $63 monthly, matching NEXT's rates for consultants and service providers.

Customers rate The Hartford first nationally for claims and service, reflecting dedicated agents who understand your business when issues arise. Policy changes happen through calls and meetings rather than apps, earning tenth place for digital experience. Contractors and growing teams value agent guidance, but businesses preferring instant online control should explore NEXT.

The Hartford's contractor packages bundle tools and equipment coverage with general liability through its agent network, protecting against job site theft and transit damage. Business owner's policies include equipment breakdown automatically, critical when North Dakota furnaces or refrigeration fail during winter. The insurer customizes coverage through independent agents rather than offering instant online binding.

Earning first place for coverage in North Dakota, Simply Business connects cannabis dispensaries, tattoo parlors and entertainment venues with carriers that traditional insurers reject. At $90 monthly with third-place overall ranking, the broker marketplace provides access to multiple insurance companies. Claims processing ranks lower, but businesses needing specialized coverage accept this for access others can't provide.

General liability at $83 monthly saves contractors and service businesses $7 versus North Dakota averages for baseline coverage meeting client requirements. Business owner's policies cost $122 monthly, running $6 below typical rates for businesses with equipment or physical locations. Professional liability at $66 runs $3 above The Hartford and NEXT, so cost-focused consultants should compare those options first.

The platform earned third place nationally for digital experience by delivering instant binding without appointments, critical for contractors needing proof today to start work tomorrow. Claims processing rated eighth at 3.7 out of 5 since the broker model connects you with different carriers rather than one dedicated claims team. Hard-to-place businesses accept this because traditional insurers won't cover their operations at all.

General liability includes hired and non-owned auto for employees driving personal trucks between North Dakota job sites, plus contractual liability when agreements transfer risk. Add liquor liability for bars covering costs when intoxicated patrons cause injuries, which many North Dakota venues require. Professional liability covers errors and omissions up to $2 million, with pollution endorsements for contractors disturbing soil during construction work.