---
title: "Business Insurance in North Dakota: A Buyer's Guide"
description: "Research business insurance in North Dakota, with state insurance regulator contacts, license lookups, surplus-lines tax information and coverage guides."
canonical: "https://thegeneralaverage.com/coverage/states/north-dakota"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
state: "north-dakota"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/coverage/states/north-dakota)

## Agent Guide

**What this page is:** Hub for business insurance in North Dakota: the state regulator, complaint and license lookup links, surplus-lines tax details, and state-specific coverage guides.

**Use this page when:** Finding who regulates insurance in North Dakota or which North Dakota coverage guides exist.

**Questions this page answers:**
- Who regulates business insurance in North Dakota?
- How do I check an insurer's or broker's license in North Dakota?
- What is North Dakota's surplus-lines tax?
- Which coverage guides exist for North Dakota?

**Key facts:**
- State regulator: North Dakota Insurance Department.
- 39 state coverage guides listed.

**Limits (do not over-claim):**
- State information reflects the cited sources at their access dates; confirm current requirements with the state regulator.
- Does not say which coverage a business needs; that is in the linked coverage guides.
- Not legal advice.

**Provenance:** 13 numbered sources; updated 2026-09-28.

**Related pages:**
- [Business insurance by state](https://thegeneralaverage.com/coverage/states) — parent hub
- [Coverage directory](https://thegeneralaverage.com/coverage) — national guides
- [General Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/general-liability/north-dakota) — North Dakota coverage guide
- [Directors and Officers (D&O) Insurance in North Dakota](https://thegeneralaverage.com/coverage/directors-officers/north-dakota) — North Dakota coverage guide
- [Technology E&O Insurance in North Dakota](https://thegeneralaverage.com/coverage/technology-errors-omissions/north-dakota) — North Dakota coverage guide
- [Cyber Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/cyber/north-dakota) — North Dakota coverage guide
- [Media Liability Coverage in North Dakota](https://thegeneralaverage.com/coverage/media/north-dakota) — North Dakota coverage guide
- [North Dakota EPLI: One-employee reach, off-hours conduct, and capped administrative relief](https://thegeneralaverage.com/coverage/employment-practices/north-dakota) — North Dakota coverage guide
- [Fiduciary Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/fiduciary/north-dakota) — North Dakota coverage guide
- [North Dakota Hired and Non-Owned Auto Coverage](https://thegeneralaverage.com/coverage/hired-non-owned-auto/north-dakota) — North Dakota coverage guide
- [Professional Liability (E&O) Insurance in North Dakota](https://thegeneralaverage.com/coverage/professional-errors-omissions/north-dakota) — North Dakota coverage guide
- [Workers’ Compensation Insurance in North Dakota](https://thegeneralaverage.com/coverage/workers-compensation/north-dakota) — North Dakota coverage guide
- [North Dakota Business Owners Policy: Budget for Flood Outside Mapped Areas](https://thegeneralaverage.com/coverage/business-owners-policy/north-dakota) — North Dakota coverage guide
- [North Dakota Umbrella and Excess Liability Guide](https://thegeneralaverage.com/coverage/umbrella-excess/north-dakota) — North Dakota coverage guide
- [Medical malpractice insurance in North Dakota](https://thegeneralaverage.com/coverage/medical-malpractice/north-dakota) — North Dakota coverage guide
- [Representations and Warranties Insurance in North Dakota](https://thegeneralaverage.com/coverage/representations-warranties/north-dakota) — North Dakota coverage guide
- [Kidnap and Ransom Insurance in North Dakota](https://thegeneralaverage.com/coverage/kidnap-ransom/north-dakota) — North Dakota coverage guide
- [North Dakota Crime Insurance Guide](https://thegeneralaverage.com/coverage/crime/north-dakota) — North Dakota coverage guide
- [Commercial Auto Insurance in North Dakota](https://thegeneralaverage.com/coverage/commercial-auto/north-dakota) — North Dakota coverage guide
- [Cargo Insurance in North Dakota](https://thegeneralaverage.com/coverage/cargo-transit/north-dakota) — North Dakota coverage guide
- [Liquor Liability in North Dakota](https://thegeneralaverage.com/coverage/liquor-liability/north-dakota) — North Dakota coverage guide
- [Key Person Insurance in North Dakota](https://thegeneralaverage.com/coverage/key-person/north-dakota) — North Dakota coverage guide
- [Product Liability in North Dakota](https://thegeneralaverage.com/coverage/product-liability/north-dakota) — North Dakota coverage guide
- [Commercial Property Insurance in North Dakota](https://thegeneralaverage.com/coverage/commercial-property/north-dakota) — North Dakota coverage guide
- [North Dakota garage liability for motor vehicle dealers](https://thegeneralaverage.com/coverage/garage-liability/north-dakota) — North Dakota coverage guide
- [North Dakota inland marine insurance under the 1976 definition](https://thegeneralaverage.com/coverage/inland-marine/north-dakota) — North Dakota coverage guide
- [North Dakota Public Construction Bonds](https://thegeneralaverage.com/coverage/surety-bonds/north-dakota) — North Dakota coverage guide
- [North Dakota builders risk: inspections and local code authority](https://thegeneralaverage.com/coverage/builders-risk/north-dakota) — North Dakota coverage guide
- [Equipment Breakdown Insurance in North Dakota](https://thegeneralaverage.com/coverage/equipment-breakdown/north-dakota) — North Dakota coverage guide
- [North Dakota Management Liability Insurance](https://thegeneralaverage.com/coverage/management-liability/north-dakota) — North Dakota coverage guide
- [Product Recall Insurance in North Dakota](https://thegeneralaverage.com/coverage/product-recall/north-dakota) — North Dakota coverage guide
- [North Dakota Fidelity Bonds for Trust Companies](https://thegeneralaverage.com/coverage/fidelity-bonds/north-dakota) — North Dakota coverage guide
- [Intellectual Property Insurance in North Dakota](https://thegeneralaverage.com/coverage/intellectual-property/north-dakota) — North Dakota coverage guide
- [Contract Frustration Insurance in North Dakota](https://thegeneralaverage.com/coverage/contract-frustration/north-dakota) — North Dakota coverage guide
- [Last-mile delivery insurance in North Dakota](https://thegeneralaverage.com/coverage/last-mile-delivery/north-dakota) — North Dakota coverage guide
- [Venture Capital Asset Protection Insurance in North Dakota](https://thegeneralaverage.com/coverage/venture-capital-asset-protection/north-dakota) — North Dakota coverage guide
- [Digital asset business insurance in North Dakota](https://thegeneralaverage.com/coverage/digital-assets/north-dakota) — North Dakota coverage guide
- [Telehealth Insurance in North Dakota](https://thegeneralaverage.com/coverage/virtual-care-telehealth/north-dakota) — North Dakota coverage guide
- [Generative AI Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/generative-ai-liability/north-dakota) — North Dakota coverage guide
- [Employee Health Benefits in North Dakota](https://thegeneralaverage.com/coverage/employee-health-benefits/north-dakota) — North Dakota coverage guide
- [Trucking Insurance in North Dakota](https://thegeneralaverage.com/coverage/trucking/north-dakota) — North Dakota coverage guide

# Business Insurance in North Dakota: A Buyer's Guide

Research business insurance in North Dakota, with state insurance regulator contacts, license lookups, surplus-lines tax information and coverage guides.

## 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.[^1][^2][^3]

- [Regulator website](https://www.insurance.nd.gov/)
- [License lookup](https://www.insurance.nd.gov/producers/print-license)
- [File a complaint](https://www.insurance.nd.gov/consumers/complaints)
- 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 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.[^4][^5][^6]

## Business Insurance Guides for North Dakota

- [General Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/general-liability/north-dakota): North Dakota bars recovery at an equal fault share and generally limits each defendant to its own share, with a concerted-action exception.
- [Directors and Officers (D&O) Insurance in North Dakota](https://thegeneralaverage.com/coverage/directors-officers/north-dakota): Check North Dakota charter exclusions, indemnification standards, and the statutory treatment of foreign entities.
- [Technology E&O Insurance in North Dakota](https://thegeneralaverage.com/coverage/technology-errors-omissions/north-dakota): A contract claim is generally six years, and a clause that excuses fraud or shortens the time to sue is against public policy.
- [Cyber Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/cyber/north-dakota): North Dakota requires Attorney General notice when one breach affects more than 250 people, alongside the affected-resident notice duty.
- [Media Liability Coverage in North Dakota](https://thegeneralaverage.com/coverage/media/north-dakota): North Dakota’s correction statute ties economic-damages limits to a timely request and adequate correction; the response window also affects limitations timing.
- [North Dakota EPLI: One-employee reach, off-hours conduct, and capped administrative relief](https://thegeneralaverage.com/coverage/employment-practices/north-dakota): North Dakota’s Human Rights Act can reach employers with one employee serving in the state, and it expressly addresses some lawful off-duty activity.
- [Fiduciary Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/fiduciary/north-dakota): Review North Dakota retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [North Dakota Hired and Non-Owned Auto Coverage](https://thegeneralaverage.com/coverage/hired-non-owned-auto/north-dakota): North Dakota makes a borrower’s available policy primary for vehicles loaned by specified auto businesses and separately requires no-fault benefits.
- [Professional Liability (E&O) Insurance in North Dakota](https://thegeneralaverage.com/coverage/professional-errors-omissions/north-dakota): Check North Dakota’s active real-estate-license E&O limits, equivalent-policy filing deadline, and out-of-state program exception.
- [Workers’ Compensation Insurance in North Dakota](https://thegeneralaverage.com/coverage/workers-compensation/north-dakota): North Dakota employers must insure through WSI, the state’s exclusive employer-financed fund; private insurers cannot underwrite the coverage.
- [North Dakota Business Owners Policy: Budget for Flood Outside Mapped Areas](https://thegeneralaverage.com/coverage/business-owners-policy/north-dakota): North Dakota DOI warns that flash flooding can affect locations outside floodplains and publishes commercial NFIP limits.
- [North Dakota Umbrella and Excess Liability Guide](https://thegeneralaverage.com/coverage/umbrella-excess/north-dakota): A certified proof-for-the-future policy is $25,000, $50,000, and $25,000, and equal fault bars a negligence recovery.
- [Medical malpractice insurance in North Dakota](https://thegeneralaverage.com/coverage/medical-malpractice/north-dakota): North Dakota’s medical-malpractice mutual statute is physician-specific and allows underwriting variation by class and exposure.
- [Representations and Warranties Insurance in North Dakota](https://thegeneralaverage.com/coverage/representations-warranties/north-dakota): Check North Dakota contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in North Dakota](https://thegeneralaverage.com/coverage/kidnap-ransom/north-dakota): See how North Dakota's surplus-lines tax and insurer insolvency rules can affect a K&R quote.
- [North Dakota Crime Insurance Guide](https://thegeneralaverage.com/coverage/crime/north-dakota): How North Dakota funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.
- [Commercial Auto Insurance in North Dakota](https://thegeneralaverage.com/coverage/commercial-auto/north-dakota): North Dakota requires continuous security that includes no-fault benefits for registered or locally operated vehicles; household-goods carriers must separately keep filed liability proof current.
- [Cargo Insurance in North Dakota](https://thegeneralaverage.com/coverage/cargo-transit/north-dakota): For a North Dakota household-goods carrier, separate the state permit’s negligence-liability filing from cargo insurance for interstate service.
- [Liquor Liability in North Dakota](https://thegeneralaverage.com/coverage/liquor-liability/north-dakota): North Dakota limits alcohol-provider claims to specified service conduct involving an underage, incompetent, or obviously intoxicated person.
- [Key Person Insurance in North Dakota](https://thegeneralaverage.com/coverage/key-person/north-dakota): Learn how North Dakota insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product Liability in North Dakota](https://thegeneralaverage.com/coverage/product-liability/north-dakota): North Dakota’s product-liability chapter sets both a discovery-based filing period and a statute of repose measured from when the manufacturer or seller parted with possession.
- [Commercial Property Insurance in North Dakota](https://thegeneralaverage.com/coverage/commercial-property/north-dakota): Plan North Dakota commercial flood protection around NFIP limits, timing, and risks outside mapped floodplains.
- [North Dakota garage liability for motor vehicle dealers](https://thegeneralaverage.com/coverage/garage-liability/north-dakota): See North Dakota’s required dealer liability components and what happens if coverage ends.
- [North Dakota inland marine insurance under the 1976 definition](https://thegeneralaverage.com/coverage/inland-marine/north-dakota): North Dakota adopted the 1976 nationwide marine definition and puts inland marine inside the property rating chapter.
- [North Dakota Public Construction Bonds](https://thegeneralaverage.com/coverage/surety-bonds/north-dakota): Check North Dakota public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [North Dakota builders risk: inspections and local code authority](https://thegeneralaverage.com/coverage/builders-risk/north-dakota): North Dakota buyers should confirm the local code authority, permit operator and inspection schedule, especially when fire-protection systems or staged site work are part of the project.
- [Equipment Breakdown Insurance in North Dakota](https://thegeneralaverage.com/coverage/equipment-breakdown/north-dakota): North Dakota sets boiler inspection intervals by equipment class and treats unfired pressure-vessel construction in a separate rule, with different size and pressure exceptions.
- [North Dakota Management Liability Insurance](https://thegeneralaverage.com/coverage/management-liability/north-dakota): Compare North Dakota employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in North Dakota](https://thegeneralaverage.com/coverage/product-recall/north-dakota): North Dakota’s Food, Drug, and Cosmetic Act includes articles used for food or drink for people or animals, and bars handling adulterated products or removing detained articles without permission.
- [North Dakota Fidelity Bonds for Trust Companies](https://thegeneralaverage.com/coverage/fidelity-bonds/north-dakota): Learn which North Dakota businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in North Dakota](https://thegeneralaverage.com/coverage/intellectual-property/north-dakota): Learn how North Dakota law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in North Dakota](https://thegeneralaverage.com/coverage/contract-frustration/north-dakota): How North Dakota export services and insurance-placement rules shape a contract-frustration policy.
- [Last-mile delivery insurance in North Dakota](https://thegeneralaverage.com/coverage/last-mile-delivery/north-dakota): North Dakota's delivery-network chapter uses $50,000/$100,000/$25,000 for both the available period and the delivery itself.
- [Venture Capital Asset Protection Insurance in North Dakota](https://thegeneralaverage.com/coverage/venture-capital-asset-protection/north-dakota): Check how North Dakota adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in North Dakota](https://thegeneralaverage.com/coverage/digital-assets/north-dakota): Review North Dakota's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in North Dakota](https://thegeneralaverage.com/coverage/virtual-care-telehealth/north-dakota): North Dakota requires a bona fide patient relationship and bars most opioid prescribing through telemedicine.
- [Generative AI Liability Insurance in North Dakota](https://thegeneralaverage.com/coverage/generative-ai-liability/north-dakota): North Dakota’s 2025 law expanded sexually expressive image rules to cover computer-generated depictions and added a civil action for certain harmful distribution.
- [Employee Health Benefits in North Dakota](https://thegeneralaverage.com/coverage/employee-health-benefits/north-dakota): North Dakota non-COBRA group plans require a short election cycle: a written request within 10 days after the later of termination or notice, and in all cases no later than 31 days after coverage ends.
- [Trucking Insurance in North Dakota](https://thegeneralaverage.com/coverage/trucking/north-dakota): See how North Dakota’s vehicle rules interact with federal for-hire limits and which heavy trucks fall outside the state UM/UIM definition.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources for North Dakota Insurance Information

[^1]: [North Dakota Insurance Department](https://www.insurance.nd.gov/) — North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance.. Accessed 2026-09-28.
[^2]: [Print License / Search for an Agent](https://www.insurance.nd.gov/producers/print-license) — 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.
[^3]: [Complaints](https://www.insurance.nd.gov/consumers/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.
[^4]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/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.
[^5]: [N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance](https://ndlegis.gov/cencode/t26-1c44.html) — 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.
[^6]: [Surplus Lines](https://www.insurance.nd.gov/producers/other-licenses/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.
[^7]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^8]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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.
[^9]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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.
[^10]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
[^11]: [Licenses](https://www.nextinsurance.com/insurance-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.
[^12]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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.
[^13]: [Licenses](https://www.vouch.us/legal/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.

Updated 2026-09-28.

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