State and Local Consumer Agencies in North Dakota

We were originally known as Baker Insurance and were headquartered in downtown Fargo. We started as a property and casualty agency and have expanded into employee benefits and life insurance to fit all needs of our clients. Our Fargo insurance office has a diversified staff with over 100 years combined experience and knowledge in the insurance industry. We strive to serve our clients and find the right fit for their insurance needs. North Dakota’s workers’ compensation law requires all employers to insure all employees before working for your small business. This requirement includes full-time, part-time, seasonal, and occasional workers.

Business size, industry, and amount of coverage all affect monthly premiums in North Dakota. For example, the cost of a Business Owners Policy for a manufacturing company operating in Fargo will be very different from a Business Owners Policy for a hardware store in Bismarck. Other considerations such as annual sales, payroll, company assets, and claims history also help determine the cost of business insurance in North Dakota. A licensed insurance advisor will be able to identify Business Insurance discounts in North Dakota that you may qualify for, along with discounts for bundling Business Insurance in North Dakota. North Dakota has multiple laws and regulations concerning business insurance requirements across a wide swath of industries operating within the state. The size of your business, industry, and number of employees will have the biggest role in determining insurance requirements for your business.

Damage to rented property – if the property you rent is damaged by fire, lightning, or explosion.

North Dakota may impose penalties for businesses that don’t carry required coverages. Other risks to your business are financial, leaving your business responsible for covering losses for theft, fire, liability, and other risks. North Dakota requires most businesses with employees to carry Workers’ Compensation coverage. Businesses that use highway vehicles are also required to carry Commercial Auto Insurance to provide liability coverage click this link fmchamberchorale.org

Work with Ryan Kill in Fargo, ND to get a small business insurance quote and choose what products are right for you. Ask Ryan Kill in Fargo, ND about a personal property insurance quote. A Business Owner’s Insurance Policy can help safeguard your company from property damage, loss, and lawsuits in the wake of unforeseen events. Protect your home the way it protects you by choosing the property insurance coverage that meets your needs. Protects you against third-party claims of bodily injury or property damage while your client is visiting. Automobile Insurance is required for all drivers within North Dakota.

Dividend Programs — Vaaler has negotiated special dividend programs for individual accounts as well as association business. These programs provide the opportunity for insured clients to benefit from their favorable loss results. This type of program provides a potential benefit for favorable results without the potential negative consequences possible in other types of risk sharing programs. Answer a few questions and we’ll show you available SHOP plans with premium estimates based on your business and employees. Business Interruption – this protects your company from fire or other accident that may result in loss of income or operation of the company. Please refer to your actual policy for a complete list of covered property and covered losses.

Condo Insurance can help protect your personal property and liability. Whether you’re looking to satisfy North Dakota requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered. Access certificates, endorsements, and policies 24/7 whenever you need them. With our secured online platform, you can manage your plans at home, at the office, or wherever your North Dakota business takes you. Renter’s Insurance Protect yourself and your personal property by investing in renter’s insurance.

Employers with between 1 and 50 full-time equivalent employees can offer insurance through SHOP. If you need to make a payment, policy changes etc, please call us before coming into the office. Blue Cross Blue Shield of North Dakota is an independent licensee of the Blue Cross Blue Shield Association, serving residents and business in North Dakota. Your sales executive can help find the right plan for you and your employees.

A foreign limited liability company may obtain a certificate of authority to transact any business purpose except banking and insurance . Insurance agencies selling insurance products may obtain a certificate of authority to transact business. At Yahnke Insurance Agency, we provide comprehensive Business Owners Policy insurance to many businesses in Fargo and throughout the state of North Dakota. A BOP combines all different coverages into one policy to protect your small to medium-size business assets. We understand the complexity of cyber threats and have cyber liability insurance solutions to help protect your business assets.