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What type of insurance do you need?
A home insurance policy is designed to cover against many of the hazards property owners in North Dakota are likely to face. Whether property has been lost or damaged due to a severe storm, a house fire, or a rash of burglaries, having a suitable homeowners insurance policy in North Dakota can bring the peace of mind that comes from knowing that the policy can absorb financial losses. These policies typically include dwelling insurance, contents insurance, liability and loss of use insurance.
Accidents can happen in the blink of an eye. If a driver is at fault, they can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm.
Car insurance in North Dakota includes a mixture of mandatory and optional coverage. If a policyholder is involved in a collision, their car insurance coverage generally includes collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage
Business insurance in North Dakota will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as any medical bills. North Dakota businesses can also be covered with commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.
Workman's comp benefits in North Dakota include medical care for worker injuries, wage replacement for disabled workers, and rehabilitation services. In addition, death benefits will be paid to an injured worker’s surviving spouse or dependents if a worker dies as a result of a workplace accident.
A typical restaurant insurance policy includes the following: general liability, worker's comp, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease coverage.
No two North Dakota restaurants are exactly the same, which means that what one owner needs for their restaurant will never be the same as any other owner. However, an underwriter will consider all aspects of a restaurant when writing a policy. More importantly, an agent will look at all these factors to quote a range of coverage options from different providers.
Depending on the policy chosen and the added coverage included in the policy, commercial auto insurance in North Dakota can include the following coverages: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of business. Insurance companies offer policies tailored to the specific needs of businesses.
Insurance options for a hotel in North Dakota can include the following coverages. General liability is mandatory and protects against lawsuits related to injury or property damage caused by the business. Things like food poisoning claims would also fall under this category. Worker's compensation covers the financial ramifications if employees become ill, get injured, or die from a work-related incident. Property insurance covers any damage to the hotel's physical building, as well as the property inside it. The type of cooking equipment used in the hotel's kitchen will contribute to the risk of fire damage, and may influence the cost of the policy. Coverage limits are typically $250 million per hotel location. Boiler & machinery, also known as "equipment breakdown insurance," covers electric equipment in the building that breaks down.
Umbrella insurance in North Dakota works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.
If a tenant rents a home in North Dakota, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.
Life insurance can help provide for someone's financial dependents if they are no longer around. The money can be used to pay final expenses, help replace lost income, cover debts, pay a mortgage, fund children's education, and more.
When a person dies, there is often a large gap between the financial needs of their dependents and the amount available from other sources, such as Social Security benefits, available cash, and savings. Life insurance helps bridge that gap.
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“The website was so easy to use and navigate and it was not overly intimidating. Everybody I dealt with was professional.”Home Insurance Customer
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"Fast & easy service. They did most of the work for me, which helped me focus more time on my restaurant."Restaurant Insurance Customer
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