Business Insurance in Williston, ND

Experts break down business insurance costs, coverages, companies, and more for drivers in Williston, ND.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Senior woman standing alone in her shop during the day. Business Insurance in Williston, North Dakota.

Williston, North Dakota has approximately 27,300 residents and counting. To own a business here, you'll need proper protection for all that life throws at you. Fortunately, getting business insurance is easy when you work with a qualified adviser.

A Williston, North Dakota independent insurance agent does the shopping for you through their network of highly rated carriers. They'll compare coverage and premium options to fit your budget, making it simple. Consult with a local expert and get the right policies from the beginning.

How Much Does Business Insurance Cost in Williston, North Dakota?

In Williston, North Dakota, your small business insurance premiums will vary. To get exact pricing, you'll need to obtain custom quotes. The cost of coverage often is based on several items, and below are what the carriers use the most when determining your business insurance costs:

  • Gross annual sales
  • Property and inventory values
  • Number of employees
  • Location of business
  • Years of experience
  • Company vehicles used 
  • Industry type
  • Employee payroll

Is Business Insurance Required in Williston, North Dakota?

In each state, there are different rules surrounding commercial insurance. While every state typically has regulations regarding your business coverage, most have two policies that are usually required. Below are the commercial policies that are necessary for Williston, North Dakota as they may apply to your operations:

What Does Business Insurance Cover in Williston, North Dakota?

Your small business will have many exposures in Williston, North Dakota where protection is necessary. Commercial insurance policies are the same for every operation. However, the limits within those policies are customized to each company. Check out some policy options frequently used below:

  • Cyber liability: Pays for legal fees associated with a cyberattack where sensitive company data has been breached.
  • Business property: Pays for repairing or replacing company-owned property and belongings. 
  • Business interruption: Pays for regular business expenses while your company has to shut down due to a covered loss.
  • Business equipment breakdown: Pays for repairing or replacing company-owned equipment that breaks down due to a covered loss.
  • Commercial umbrella liability: Pays for a bodily injury and property damage loss of others after it exhausts your underlying limits.
  • Workers' compensation: Pays for medical expenses and lost wages of an injured or ill employee resulting from job duties.
  • Business auto: This policy pays for claims that may result from driving a company-titled vehicle.
  • General liability: Pays for a bodily injury and property damage loss of others.
  • Business inventory: Pays for the repair or replacement of company-owned inventory merchandise.

What Does Small Business Liability Insurance Cover in Williston, North Dakota?

There are 73,142 small businesses in North Dakota. When you're operating a company in Williston, the first policy you'll start with is liability insurance. This coverage is necessary for most businesses and will help protect your operation from lawsuits. Below are some instances in which a liability insurance policy would apply:

  • Coverage for a slip and fall on-site or as a result of doing business
  • Coverage for legal fees due to a cyberattack when sensitive data is compromised
  • Coverage for a liability claim involving your commercial vehicles
  • Coverage for bodily injury or property damage claim

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Our independent agents shop around to find you the best coverage.

Are There Any Small Business Health Insurance Plans in Williston, North Dakota?

Small business health insurance plans can help your company grow and maintain employees. In Williston, North Dakota, you will not be legally obligated to offer health coverage unless you have 50 employees or more. However, you may want to provide this as an employee benefits perk to help build a sustainable company culture. Your operation can obtain health insurance quotes through your same local independent insurance adviser. 

What Are the Best Small Business Insurance Companies in Williston, North Dakota?

To get the right coverage for your small business in Williston, North Dakota, you'll need the right carrier. Some of the best insurance companies for commercial coverage in your area are as follows:

Best Small Business Insurance Companies In Williston, ND Star Rating
5 star rating
5 star rating
5 star rating
5 star rating

The carriers above are ranked higher than others due to their exceptional coverage offerings and competitive premium options for businesses. Quotes through these carriers can be obtained by a licensed insurance adviser at zero cost.

Why Work with an Independent Insurance Agent in North Dakota?

Small business insurance can be confusing to understand in addition to running a company. Fortunately, you don't have to find coverage on your own, because a local adviser can help for free. With all the policy and premium options on the market, it makes sense that you'd use a licensed expert to advise on protection.

A Williston, North Dakota independent insurance agent does the shopping for you through dozens of highly rated carriers. They'll compare limits and pricing so that you walk away with a policy that suits your needs and budget. Connect with a trained adviser and start saving in minutes.

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