Commercial Insurance
Protect Your Business & Livelihood

Protecting Local Businesses-Coverage That Fits How You Operate

Running a business means facing real risks: storms, lawsuits, equipment breakdowns, employee injuries, and more. Gateway Insurance is a local, independent agency that offers multiple carriers to deliver the protection you need, whether you're a contractor, shop owner, trucking company, landlord, or farm-adjacent business.

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Business Insurance for Every Industry

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Small businesses and startups

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Contractors and construction trades

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Retailers, offices, and service providers

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Commercial property owners and landlords

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Trucking and transportation fleets

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Agriculture support and agribusiness

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Nonprofits, associations, and more

Key Commercial Coverages Explained

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Business Owners Policy (BOP)

Bundles property, general liability, and loss of income. Ideal for small businesses.

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Commercial Property Insurance

Covers your building, equipment, inventory, and furniture against fire, storms, theft, and more.

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General Liability

Protects you from lawsuits for injuries, property damage, or advertising claims.

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Commercial Auto & Fleet

Coverage for business vehicles, trucks, and trailers-on the road and at the job site.

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Contractors Insurance

Policies designed for trades, including liability, tools/equipment, and completed operations.

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Professional Liability (E&O)

Coverage for mistakes or omissions in professional services.

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Commercial Umbrella

Adds extra liability limits over other business policies.

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EPLI (Employment Practices Liability

Covers claims of wrongful termination, harassment, or discrimination.

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Cyber Liability

Protection from data breaches, hacks, and digital risks.

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Bonds (Surety, License, Permit)

Required for many contracts, licenses, and projects.

Our Process
What you need

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Quotes by phone, in person, or online

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We'll need your business type, location, number of employees, annual revenue, vehicles, and property details

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Compare options across top commercial carriers-side-by-side

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Certificates of Insurance (COIs) handled promptly for contracts, leases, and vendors

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In-person service at our Bismarck office (or Steele branch)

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Annual reviews and support for policy changes, audits, and renewals

Why Businesses Choose Gateway Insurance

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Independent agency-more carrier options, no "one size fits all"

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Our local team can help you with the coverage needed for your business operations.

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For answers and certificates-reach us by phone or text us at 701-223-5812, email us at insurance.services@gateway-insurance.com, or stop in our office today!

Commercial Insurance-Questions Answered

  • What business insurance do I need?

    It depends on your industry, property, employees, and contracts-Gateway can customize coverage to your needs.

  • How much does commercial insurance cost?

    Pricing varies-factors include size, payroll, vehicles, property, and risk. 

  • What's included in a business owners policy (BOP)?

    Property, liability, business income, and more-designed for small businesses.

  • Do I need general liability if I work from home?

    Many contracts require it, and home policies cover business claims on a very limited basis-ask us for a review.

  • Commercial insurance near me in Bismarck?

    Gateway Insurance serves Bismarck, Mandan, Burleigh, Morton, and surrounding areas-local, licensed, and accessible.

Get the Business
Protection you Need

Don't guess on your coverage. Let Gateway Insurance review your business needs, compare commercial policies, and deliver coverage that supports your business and your future.