Contractors Insurance in North Dakota

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Why do general contractors need insurance in North Dakota?

The Roughrider State has a flourishing construction industry. It is estimated that more than 5 595 sole entrepreneurs work in this industry. Contractor insurance for North Dakota tradespeople helps protect many of these small-scale businesses.

Construction sites are often dangerous locations to work in. An incident of a minor nature can result in a huge risk for your small company regardless of whether you’re involved in commercial or residential construction projects. Insurance for contractors safeguards North Dakota companies from expensive delays, accidents and other common issues.

Contractor insurance is the shorthand name for different types of coverage that a contractor might consider.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Learn more about the contractor insurance in North Dakota and how BizInsure can help you find the right coverage for your business needs.

Who needs contractor insurance in North Dakota?

Contractors often purchase insurance policies to protect their business and personal finances. General Liability coverage and other types of policies can act as a security net for both your business and yourself.

Certain types of insurance may be required for specific customers (and this is usually written in business contracts).

To learn more about quotes for insurance and alternatives, select your occupation.

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What insurance do general contractors need in North Dakota?

North Dakota contractors typically look at several different types of insurance. These policies may assist you in coping with common risks general contractors encounter while working.

General Liability Insurance

Accidents can happen at a construction site. If someone is injured through your negligence, such as leaving a toolbox in an unsuitable location, it could be an enormous headache for you and your business.

Your General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

North Dakota contractors may also see General Liability coverage referred to as Commercial General Liability (CGL) or the less formal “slip and fall” coverage.

Business Owner’s Policy

The construction industry isn’t without difficulties. The construction industry is prone to interruptions of projects, broken tools and other accidents.

Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Your BOP can be customized to provide coverage options that fit your business needs. This can be a convenient and affordable way to shield yourself from the many risks that general contractors face.

Workers’ Compensation Insurance

If you depend on employees to run your business, it is your responsibility to look after their health and wellbeing when they’re at work.

Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

What does contractor insurance cover in North Dakota?

Contractors insurance helps protect you against the financial impact of a range of different risks. Based on the type of coverage you select you could be covered for events like:

  • Claim for property damage and injury to third parties
  • Unexpected interruptions to businesses
  • Equipment breakdown
  • Injuries and illnesses of employees at work

How much does contractor insurance cost in North Dakota?

Business insurance prices vary because insurers take many aspects into consideration when determining a company’s premium. The price of insurance for your business will be influenced by:

  • What kind of insurance do you need?
  • Your annual revenue (size of your business)
  • How many individuals will be covered by the policy?
  • Your claim history
  • You can choose the amount of coverage that you want

How to get general contractor insurance in North Dakota?

BizInsure is the most effective method to safeguard your business.

In less than 10 minutes, you can review quotes and find coverage that suits your needs, budget and needs. The policy document is sent straight to your mailbox.

Do you need assistance? Our agents with licenses are here to help at any stage in the process!

Compare quotes for North Dakota general contractors now to find the most affordable coverage.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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