Business/Commercial Insurance

Business/Commercial Insurance Options for the Bismarck, ND, Area

For further information about our commercial insurance policies, call Gateway Insurance Agency in Bismarck, North Dakota, at 701-223-5812.

Business Owner's and Commercial Insurance Policies offers protection from major property and liability risks. 

Business/Commercial Property

Covers your property such as a building and any inside business/commercial property you may have. For example, the computers, office equipment, office furniture, tools, small equipment, etc. If any one item is worth more than $1,500, you may want to schedule this item separately. 

Business Interruption

This can compensate you for lost income if your company has to move out of your current premises due to covered claim/damage, such as a fire. Interruption Insurance covers the profits you would have earned, based on your financial records had the damage not occurred. This would also cover operating expenses. 

Business/Commercial General Liability

Coverage for your business/commercial liability exposures you may have, for example your company's legal responsibility for the harm it may cause others. This would be the result of anything you or your employees did or didn't do that may cause bodily injury or property damage due to defective products, faulty installations, or errors in services. 

Business/Commercial Auto

Coverage is available for the auto you use for business. Whether it be for your business in town or your farm/ranch out in the country. Protect your farm or commercial business with Business/Commercial Auto Insurance because road conditions, weather or other drivers on the road are simply beyond your control. Additional coverage available for pollution, employees, hired and non-owned auto, loan/lease, loss of use or replacement cost, there is also additional endorsements.

Optional Endorsements Available

  • Hired and Non-Owned
  • Cargo
  • Pollution
  • Care, Custody and Control (when the insured’s business has a customer’s vehicle in their care, custody and control)
  • Individual Named Insured
  • Additional Personal Injury Protection
  • Drive Other Car
  • Individual Named Insured: This endorsement is needed if the owner/insured doesn’t own a private personal vehicle
  • Transportation Expenses
  • Loss of Use Expenses
  • Auto Loan/Lease Gap
  • Roadside Assistance

Apartments/Condo Buildings

If you own an apartment building or a one, two, or four-family duplex, we can find the right coverage for you. We will make sure it covers both property and liability/medical coverage, plus offers you the opportunity to customize the package with options that meet your specific needs. The coverage can include:

  • Building & Other Structures
  • Business Personal Property
  • Liability & Medical Expenses

Optional Endorsements Are Available:

  • Replacement Cost Coverage on structures and business personal property
  • Business Income - Loss of Income
  • Extra Expense Coverage
  • Inflation Guard Protection
  • Increased Cost of Construction – Ordinance or Law
  • Pollutant Clean Up and Removal - Pollution
  • Products/Completed Operations
  • Product Recall
  • Additional Insureds
  • Professional Liability
  • Liquor Liability
  • Spoilage
  • Cyber Liability
  • Commercial Umbrella
  • Care, Custody, and Control
  • Electronic Data
  • Other endorsements available: Utility Service (Equipment Breakdown) – Contractors – Water Back Up (Sewer) – Inland Marine (Scheduled Items)

Employer Coverage Endorsements

  • Employee Benefit Liability
  • Employment Related Practices Liability
  • Employee Dishonesty / Theft
  • Hired Auto & Non-Owned Auto
  • Directors & Officers
  • Management Personnel
  • Robbery – Money & Securities – Computer Fraud – Money Orders & Counterfeit Money
  • Crime Coverages
  • Other endorsements available also

Bond Insurance

Bond Insurance is a type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default.



A key difference between bonds and insurance is that insurance protects your business in the event that you are accused of a wrong whereas a surety bond protects your client's business if you do something wrong.

Contractors Insurance

General contractor insurance protects against lawsuits and claims related to bodily injury, property damage, and other types of losses that can occur as part of a construction or remodeling project.

 

Contractor's liability insurance covers claims arising out of damage a contractor causes to a third party. This is one of the most important insurance coverages a contractor should get, since it covers the liability risks associated with ongoing business operations (while at the job site).

 

Coverage is also available for the business owner for legal liability relating to advice or services offered to clients.

 

There may also be other types of insurance that are relevant to a contractor, such as insurance against loss of income.

For further information about our business insurance policies, call 701-223-5812.

Share by: