Coverage line

A bartender’s hand steadies a tipping stemmed glass before its spill reaches the edge of a bar.Illustration for The General Average

Liquor Liability in North Dakota

North Dakota's current Century Code § 5-01-06.1 creates a claim when a person is injured by an obviously intoxicated individual and the defendant knowingly provided alcohol to someone under 21, incompetent, or obviously intoxicated. The former § 5-01-06 dram shop provision is repealed, so use the current statute—not older summaries—when discussing your exposure with a broker.

What Is Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

What to Watch for With Liquor Liability in North Dakota

Older Dram Shop References May Be Outdated
The official current Century Code marks § 5-01-06 as repealed and places the present claim in § 5-01-06.1. Ask the broker to assess the current statute rather than relying on an older description of North Dakota's dram shop law. ¹
The Statute Focuses on Knowing Alcohol Provision
Section 5-01-06.1 applies when a person knowingly disposes, sells, barters, or gives alcohol to someone under 21, incompetent, or obviously intoxicated, and injury results from an obviously intoxicated person. Make sure the quote addresses these service allegations and not only ordinary premises incidents. ¹
Training Can Reduce a First-Violation Penalty
North Dakota requires the licensing authority to treat approved alcohol-server training as a mitigating factor for a retail licensee’s first serving violation, resulting in a lesser punishment. Ask whether your program addresses intoxication, drunk driving, and underage drinking, and keep completion records. ²

Which Liquor Liability Providers Have North Dakota License Records?

These providers publish a national listing for Liquor liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in North Dakota. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.

Who Regulates Insurance in North Dakota?

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 701-328-2440

Surplus-Lines Tax and Stamping Office in North Dakota

Reported tax rate. 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state ^6,^7,⁸

When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.

Questions to Ask Before You Buy Liquor Liability in North Dakota

Does this policy respond to claims under North Dakota Century Code § 5-01-06.1?
How does the quote treat allegations that staff knowingly served someone under 21 or obviously intoxicated?
Does the application identify every locally licensed premises and the correct business entity?
Are defense costs included within the limit, and how does the policy handle multiple injured claimants?

Liquor Liability Insurance in North Dakota: Frequently Asked Questions

Is alcohol-server training required for every North Dakota bar?

Section 5-02-10.1 describes approved training as a mitigating factor for a retail licensee’s first serving violation; it does not state that all employees must complete training. The training must address intoxication, drunk driving, and underage drinking to qualify for that mitigation. ²

What is North Dakota's dram shop law now?

The current claim is in § 5-01-06.1; the older § 5-01-06 is repealed. The current law addresses knowing alcohol provision to an underage, incompetent, or obviously intoxicated person when injury results from an obviously intoxicated person. ¹

Can a North Dakota business face a claim for serving an obviously intoxicated person?

Yes. Section 5-01-06.1 includes knowing service to an obviously intoxicated person among the conduct that can support a claim when its other statutory conditions are met. ¹

Sources

15 documents, numbered as cited. Open the sources

Sources for Liquor Liability Insurance in North Dakota

1
North Dakota Century Code, Title 5, Chapter 5-01. North Dakota Legislative Branch; § 5-01-06 (repealed) and § 5-01-06.1(1), Claim for Relief for Fault Resulting from Intoxication. Accessed 2026-09-29.
2
North Dakota Century Code, Chapter 5-02: Retail Licensing. North Dakota Legislative Branch; §§ 5-02-01, 5-02-06, and 5-02-10.1, retail licensing, underage prohibitions, and alcohol server training. Accessed 2026-09-29.
3
North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
4
Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
5
Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
6
Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
7
N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
8
Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Liquor Liability in North Dakota

What Is Liquor Liability Insurance?

What to Watch for With Liquor Liability in North Dakota

Older Dram Shop References May Be Outdated

The Statute Focuses on Knowing Alcohol Provision

Training Can Reduce a First-Violation Penalty