The Peace Garden State

North DakotaContractor Insurance

Navigate North Dakota's unique construction requirements with comprehensive coverage for oil and gas projects. Expert WSI workers compensation and licensing support from professionals who understand Prairie State regulations.

780K+

Population

25K+

Contractors

Counties

#1 Oil Production

Jump to the information you need most

Insurance Requirements Overview

Required coverage and minimum limits for contractors

License Types & Costs

Contractor licensing thresholds and fee structure

Business Formation Guide

LLC vs Corporation setup in North Dakota

Weather Considerations

Extreme weather insurance needs for contractors

Energy Industry Impact

Oil & gas boom effects on construction insurance

Frequently Asked Questions

Common questions about North Dakota requirements

North Dakota Contractor Insurance Overview

Quick answers to the most searched questions about North Dakota contractor requirements

What insurance is required for North Dakota contractors?

North Dakota contractors need general liability insurance and workers' compensation through WSI (Workforce Safety & Insurance). General liability minimums vary by project size, with most commercial work requiring $1 million coverage. Workers' comp is mandatory for all employees.

How much does contractor insurance cost in North Dakota?

General liability typically costs $1,800-$6,500 annually, WSI workers compensation ranges $12-$25 per $100 of payroll, and commercial auto runs $2,500-$5,500. Energy sector work may increase premiums due to higher risk exposure.

North Dakota contractor license requirements

North Dakota requires contractor licenses for projects over $4,000. Licensing involves passing state exams, proof of insurance, surety bonds, and demonstrating financial responsibility. No formal education requirements, but experience is evaluated.

Weather insurance for North Dakota contractors

Extreme weather coverage is crucial in North Dakota. Standard policies may exclude wind, hail, and freeze damage. Consider equipment protection, delayed completion coverage, and seasonal operations endorsements for winter shutdowns.

Need specific coverage recommendations for your North Dakota contracting business?

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783K+

Population

$55.8B

GDP

45K+

Construction Workers

2.1%

WSI Injury Rate

North Dakota Contractor Insurance Costs

Average annual costs by coverage type - WSI rates and energy sector considerations included

Coverage Type	Average Cost	What It Covers	Rate Factors
General Liability	$1,800 - $6,500/year	Bodily injury, property damage, completed operations	Energy sector exposure Experience modifier Geographic location Coverage limits
WSI Workers Compensation	$12 - $25 per $100 payroll	State-mandated coverage through Workforce Safety & Insurance	Industry class code Experience rating Safety programs Claims history
Commercial Auto	$2,500 - $5,500/year	Vehicle liability, collision, comprehensive for business vehicles	Winter driving conditions Rural vs urban use Vehicle type Driver records
Contractor Bond	$1,500 - $15,000	Required for licenses, guarantees contract completion	Bond amount required Credit score Financial strength Project value

Get Your Exact North Dakota Quote

These are average ranges. Energy sector work and harsh weather conditions may affect your actual rates.

Calculate My Costs

* Costs shown are estimates. WSI rates set by state experience rating. Energy sector and severe weather exposure may increase premiums.

North Dakota Contractor Insurance Coverage

Essential coverage types for North Dakota contractors, including WSI workers compensation and specialized contractor protection

North Dakota WSI System

North Dakota operates a monopolistic workers' compensation system through WSI (Workforce Safety & Insurance). Private workers' comp is not available - all employers must obtain coverage through WSI. However, stop-gap coverage is essential to protect against liability gaps.

General Liability Insurance

Required for most contractor licenses in North Dakota

$300,000 - $1,000,000

Bodily injury and property damage
Personal and advertising injury
Products-completed operations
Defense costs and legal fees
Aggregate limits protection

WSI Workers' Compensation

State monopoly system - required for all employees

WSI coverage only

State-administered coverage only
Medical expenses and lost wages
Disability benefits
Vocational rehabilitation
Death benefits for families

Stop-Gap Coverage

Employer liability protection unique to monopolistic states

$1,000,000 per occurrence

Covers WSI coverage gaps
Employer liability protection
Third-party over claims
Dual capacity suits
Consequential bodily injury

Commercial Auto Insurance

Coverage for business vehicles and equipment

$750,000 combined single limit

Vehicle damage protection
Liability coverage
Comprehensive and collision
Hired and non-owned auto
Equipment and tool coverage

Professional Liability

Errors and omissions coverage for design work

$1,000,000 per claim

Design errors coverage
Omissions protection
Defense costs included
Regulatory proceedings
Contractual liability

Equipment Coverage

Protection for tools and construction equipment

Actual cash value

Tools and equipment protection
Theft and vandalism coverage
Weather damage protection
Equipment breakdown coverage
Rental reimbursement

North Dakota Workers' Compensation Requirements

Understanding WSI coverage and the importance of stop-gap protection

North Dakota vs. Private Workers' Comp States

North Dakota WSI System

• State monopoly - WSI only option
• All employers must use WSI
• Fixed rates and coverage terms
• No insurance shopping allowed
• Stop-gap coverage needed separately
• State-administered claims process

Private Insurance States

• Multiple insurance carriers available
• Competitive rates and terms
• Employer liability included in policy
• Can shop for best coverage
• Stop-gap not typically needed
• Private claims administration

North Dakota WSI Workers' Compensation System

State monopoly - no private insurance allowed

Coverage for all employees including part-time

Medical expenses fully covered

Wage replacement at 66⅔% of average weekly wage

Vocational rehabilitation services included

Death benefits for surviving dependents

WSI Monopolistic System

North Dakota operates through Workforce Safety & Insurance (WSI), a state-run monopolistic system. All employers with employees must obtain coverage through WSI - private workers' compensation insurance is not available. Sole proprietors may elect coverage voluntarily.

Annual Workers' Comp Cost Breakdown

WSI Coverage Only

WSI Premium (varies by class)$2,500-$4,000

Administrative Fees$200-$300

Total Annual$2,700-$4,300

Basic WSI coverage only - leaves liability gaps

WSI + Stop-Gap

WSI Premium$3,200

Stop-Gap Coverage$800

Administrative Fees$250

Total Annual$4,250

Recommended: Complete protection with stop-gap coverage

Comparison State

Private Workers' Comp$3,800

Employer Liability Included$0

Total Annual$3,800

Private insurance state example with included employer liability

Critical WSI Compliance Requirements

North Dakota contractors must maintain continuous WSI coverage for all employees. Failure to comply can result in severe penalties and business shutdown.

• WSI registration required within 30 days of first employee hire
• Stop-work orders issued for non-compliance
• Penalties up to $1,000 per day for coverage lapses
• Stop-gap coverage strongly recommended to fill liability gaps
• Quarterly reporting and premium payments required
• Job site injuries must be reported within 7 days

Get WSI and Stop-Gap Coverage for Your North Dakota Business

Our North Dakota specialists understand the WSI system and can help you obtain required WSI coverage plus essential stop-gap protection. Get comprehensive quotes today.

Get Quote: (844) 967-5247 Compare Coverage Options

North Dakota Contractor License Requirements

Insurance and bond requirements by license class. Learn more about comprehensive licensing requirements in our detailed guides.

$4,000 Threshold

Contractor licenses required for projects over $4,000 total value

March 1 Renewal

All contractor licenses must be renewed annually by March 1

FirstStop Portal

All applications must be submitted through the state's FirstStop Portal

Class A General Contractor

All construction work.Unlimited contract value.Structural work permitted.

Project Threshold

Over $4,000

Required Bond

$75,000

Min Insurance

$1,000,000 GL

Get Quote

Class B General Contractor

General construction.Non-structural work.Residential and commercial.

Project Threshold

Over $4,000

Required Bond

$50,000

Min Insurance

$1,000,000 GL

Get Quote

Class C Specialty Contractor

Specific trade work.Electrical, plumbing, HVAC.Roofing and siding.

Project Threshold

Over $4,000

Required Bond

$25,000

Min Insurance

$300,000 GL

Get Quote

Class D Residential Contractor

Single-family homes.Residential improvements.Home repairs and maintenance.

Project Threshold

Over $4,000

Required Bond

$25,000

Min Insurance

$300,000 GL

Get Quote

License Application Process

Submit Application

Complete application through FirstStop Portal with required documentation

Provide Insurance

Submit proof of general liability insurance and WSI coverage

Obtain Bond

Secure required contractor bond based on license class

Pay Fees

Submit license fees and await approval from the Secretary of State

Important License Requirements

• All contractors must register through the FirstStop Portal before beginning work
• Insurance certificates must be filed with the Secretary of State
• WSI coverage is mandatory for all employees - no private workers' comp allowed
• Stop-gap coverage is recommended to fill WSI liability gaps
• License renewal deadline is March 1 annually - late renewals incur penalties
• Bond amounts may be higher for certain specialized trades

We Serve All of North Dakota

Licensed to write contractor insurance throughout the Peace Garden State

Major Cities

Fargo

Bismarck

Grand Forks

Minot

West Fargo

Williston

Dickinson

Jamestown

Wahpeton

Devils Lake

Bakken Energy Region

Williston

Energy Hub

Dickinson

Energy Hub

Watford City

Energy Hub

Tioga

Energy Hub

Crosby

Energy Hub

Comprehensive Coverage Statewide

We serve contractors in all 53 North Dakota counties with expertise in both traditional and energy sector construction projects

Starting a Business in North Dakota

Official ND Business Registration:FirstStop Business Portal

Business Structure Options

Corporation

Most common structure for established contractors

$100

3-5 business days

Limited liability protection.
Corporate credibility with clients.
Easier access to capital and bonding.
Perpetual existence.

LLC

Flexible structure popular with contractors

$135

3-5 business days

Limited liability protection.
Pass-through taxation available.
Flexible management structure.
Less formal requirements than corporation.

Limited Partnership

For contractors with passive investors

$135

3-5 business days

General/limited partner structure.
Investment opportunities.
Pass-through taxation.
Limited liability for limited partners.

Professional Corporation

For licensed professional contractors

$100

3-5 business days

Professional liability protection.
Licensing compliance structure.
Professional credibility.
Tax advantages available.

Registration Process

Choose Business Name

Check name availability through FirstStop portal and reserve if needed.

Same day

Register with Secretary of State

File Articles of Incorporation or Organization through FirstStop Business Portal.

3-5 business days

Obtain Federal EIN

Apply for Employer Identification Number with the IRS.

Same day online

Register for State Taxes

1-2 business days

Important North Dakota Business Requirements

Required Information:

• Registered agent with ND address
• Principal business address
• Business purpose statement
• Organizer/incorporator information

Ongoing Compliance:

• Annual report filing required
• Maintain registered agent
• Update business information changes
• Workers' compensation through WSI

Why North Dakota Contractors Choose Us

Specialized expertise for the Peace Garden State's unique construction challenges

98%

Client Retention Rate

in North Dakota market

24/7

Claims Support

Emergency response available

15+

Years Experience

in ND construction insurance

$2M+

Average Savings

annual premium optimization

WSI Expertise & Compliance

Deep understanding of North Dakota Workforce Safety & Insurance requirements, premium calculations, and safety program integration.

WSI compliance specialists on staff
Safety program development assistance
Premium optimization strategies
Claims management support

Energy Industry Experience

Specialized knowledge of Bakken energy sector risks, regulations, and insurance requirements for oil, gas, and pipeline contractors.

Energy sector risk assessment
Specialized coverage for hazardous work
Environmental liability expertise
Multi-state project coordination

Weather-Related Coverage

Comprehensive understanding of North Dakota's extreme weather challenges and seasonal construction considerations.

Weather delay coverage options
Equipment protection for extreme cold
Seasonal work pattern accommodation
Weather-related claim expertise

Rural & Remote Project Expertise

Experience with unique challenges of rural and remote construction projects across North Dakota's vast geography.

Remote location risk assessment
Equipment transportation coverage
Limited access project solutions
Emergency response coordination

Local Market Knowledge

Deep understanding of North Dakota's construction market, from agricultural projects to energy infrastructure development.

Local contractor relationships
Market-specific risk assessment
Regional claims patterns knowledge
Community-focused service approach

Comprehensive Trade Coverage

Specialized policies for all North Dakota construction trades, from traditional building to specialized energy sector work.

Trade-specific policy customization
Professional liability for licensed trades
Equipment and tools coverage
Bonding facilitation services

North Dakota Market Insights

Agricultural Construction

Seasonal work patterns and equipment-intensive projects require specialized coverage approaches.

Energy Sector Growth

Bakken boom continues to drive demand for specialized construction services with enhanced safety requirements.

Infrastructure Development

Growing population centers require expanded infrastructure, creating opportunities for general contractors.

Weather Challenges

Extreme temperature variations and severe weather events impact construction schedules and equipment needs.

Our North Dakota Specializations

Energy Sector Expertise

Comprehensive coverage for oil, gas, and renewable energy construction projects with specialized risk management and safety compliance.

WSI Integration

Seamless coordination with North Dakota's unique workers' compensation system to ensure complete coverage and compliance.

Weather Resilience

Specialized coverage for extreme weather challenges, equipment protection, and seasonal work pattern accommodation.

Ready to Protect Your North Dakota Business?

Get a customized insurance quote designed specifically for North Dakota contractors

Get Your Quote Speak with an Expert

North Dakota Resources for Contractors

Essential government agencies, licensing boards, and professional organizations

Government Resources

North Dakota Secretary of State

Business registration, corporate filings, and FirstStop portal access

Key Services:

• Business registration
• Corporate filings
• Trade name registration
• UCC filings

Workforce Safety & Insurance (WSI)

North Dakota's exclusive workers' compensation provider

Key Services:

• Workers compensation
• Safety programs
• Claims management
• Premium calculations

North Dakota Department of Commerce

Economic development, workforce development, and business resources

Key Services:

• Business incentives
• Workforce development
• Economic development
• Tourism promotion

North Dakota Department of Health

Environmental health, asbestos regulations, and safety compliance

Key Services:

• Asbestos licensing
• Environmental permits
• Lead certification
• Public health compliance

Professional Licensing Boards

State Electrical Board

Electrical contractor licensing and regulation

Master electrician license required for electrical contracting

State Plumbing Board

Plumbing contractor licensing and regulation

Master plumber license required for plumbing contracting

Public Service Commission

Utility regulation and pipeline safety oversight

Oversight of utility construction and infrastructure projects

Professional Associations

Associated General Contractors of North Dakota

Premier construction trade association

Member Benefits:

• Networking opportunities
• Industry advocacy
• Safety training
• Legal resources

North Dakota Electrical Association

Electrical contractors and professionals organization

Member Benefits:

• Code updates
• Training programs
• Industry networking
• Legislative advocacy

North Dakota Petroleum Marketers Association

Energy industry professionals and contractors

Member Benefits:

• Energy sector networking
• Regulatory updates
• Safety training
• Industry advocacy

Energy Sector Resources

North Dakota's energy boom has created unique opportunities and requirements for contractors. Consider joining energy-specific associations and staying current with Bakken-related regulations.

Key Energy Resources:

• North Dakota Petroleum Council
• Williston Basin Petroleum Conference
• North Dakota Industrial Commission

Special Considerations:

• Enhanced safety requirements
• Environmental compliance
• Remote location logistics

North Dakota Trade License Requirements

Professional licensing requirements for specialized construction trades

Electrical Contractors

Master Electrician License

LICENSE REQUIREMENTS:

•8,000 hours of electrical work experience (4 years)
•Completion of approved electrical apprenticeship program
•Pass written and practical examinations
•Maintain continuing education requirements

Bond Required:

Not required by state

Insurance:

General liability recommended

Licensing Authority:

North Dakota State Electrical Board

Must employ or be a licensed master electrician to perform electrical work

Plumbing Contractors

Master Plumber License

LICENSE REQUIREMENTS:

•Complete 4-year plumbing apprenticeship program
•6,000 hours of plumbing work experience
•Pass written examination
•Maintain continuing education requirements

Bond Required:

Not required by state

Insurance:

General liability recommended

Licensing Authority:

North Dakota State Plumbing Board

Must employ or be a licensed master plumber to perform plumbing work

HVAC Contractors

HVAC License

LICENSE REQUIREMENTS:

•Complete approved HVAC training program
•2 years of HVAC work experience
•Pass written examination
•EPA certification for refrigerant handling

Bond Required:

Not required by state

Insurance:

General liability recommended

Licensing Authority:

North Dakota State Plumbing Board

Regulated under plumbing board jurisdiction for heating systems

Water Well Contractors

Water Well Contractor License

LICENSE REQUIREMENTS:

•Demonstrate competency in well construction
•Pass written examination
•Provide proof of financial responsibility
•Meet equipment and experience requirements

Bond Required:

$15,000 surety bond

Insurance:

General liability required

Licensing Authority:

North Dakota Department of Water Resources

Separate licenses for drilling, pump installation, and well sealing

Asbestos Abatement

Asbestos Contractor License

LICENSE REQUIREMENTS:

•Complete EPA-approved asbestos training
•Pass written examination
•Demonstrate proper equipment and procedures
•Annual recertification required

Bond Required:

Varies by project

Insurance:

Pollution liability required

Licensing Authority:

North Dakota Department of Health

Federal and state regulations both apply to asbestos work

General Contractors

No State License Required

LICENSE REQUIREMENTS:

•Business registration with Secretary of State
•Workers compensation through WSI
•Applicable trade licenses for work performed
•Local permits as required

Bond Required:

Varies by project/locality

Insurance:

General liability strongly recommended

Licensing Authority:

Local jurisdictions

North Dakota does not require general contractor licensing at state level

Energy Sector Special Requirements

Bakken Energy Region Considerations

Contractors working in North Dakota's energy sector face additional safety, environmental, and regulatory requirements beyond standard construction licensing.

Oil & Gas Construction

•Enhanced safety training (OSHA 30-hour minimum)
•H2S safety certification
•Specialized equipment for hazardous environments
•Environmental compliance protocols

Pipeline Construction

•Pipeline safety regulations compliance
•Specialized welding certifications
•Environmental impact mitigation
•Federal oversight compliance

Industrial Facilities

•Process safety management compliance
•Specialized industrial safety training
•Quality assurance documentation
•Environmental permitting coordination

Important Licensing Notes

General Requirements:

• All contractors must register business with state
• Workers' compensation required through WSI
• Local permits required for construction projects
• Professional licenses must be maintained and renewed

Compliance Considerations:

• Some municipalities have additional requirements
• Federal projects may require additional certifications
• Energy sector work often requires specialized training
• Environmental regulations may apply to certain projects

Weather Considerations for North Dakota Contractors

North Dakota's extreme weather conditions create unique insurance needs and risk management challenges for contractors

Extreme Winter Conditions

Temperatures can drop to -40°F with wind chills reaching -60°F

Key Risks

Equipment freeze damage and failure
Increased slip and fall incidents
Material brittleness and cracking
Extended project timelines

Recommended Coverage

Equipment breakdown coverage
Temperature-related damage protection
Seasonal shutdown endorsements
Delayed completion coverage

Severe Wind & Hail Events

High winds exceeding 70 mph and baseball-sized hail common in spring/summer

Key Risks

Tool and equipment damage from hail
Work site debris and projectiles
Roof and siding installation challenges
Material transportation delays

Recommended Coverage

Inland marine for tools/equipment
Weather delay provisions in contracts
Comprehensive property coverage
Installation floater policies

Rapid Temperature Swings

Daily temperature variations of 50°F+ stress materials and equipment

Key Risks

Concrete curing and setting issues
Expansion/contraction material failure
HVAC system strain and failure
Adhesive and sealant problems

Recommended Coverage

Completed operations extensions
Professional liability for design issues
Material defect coverage
Rework and remediation protection

Seasonal Insurance Planning

Winter (Nov-Mar)

Limited construction window, equipment winterization, increased safety risks

Insurance Focus:

Consider seasonal layoffs for workers comp savings, ensure equipment protection

Spring (Apr-May)

Freeze-thaw cycles, flooding potential, material delivery delays

Insurance Focus:

Flood coverage, equipment transportation insurance, delay coverage

Summer (Jun-Aug)

Severe thunderstorms, hail damage, heat stress on workers

Insurance Focus:

Weather interruption coverage, increased workers comp awareness

Fall (Sep-Oct)

Early frost, equipment preparation, project completion rush

Insurance Focus:

Deadline penalty protection, equipment storage coverage

Protect Your Business from North Dakota's Weather

Standard policies may not cover weather-related damages. Our North Dakota specialists understand the unique risks and can customize coverage for your specific needs.

Get Weather-Specific QuoteSpeak to Specialist

Energy Industry Impact on Construction Insurance

North Dakota's energy boom creates unique opportunities and insurance challenges for contractors

Oil & Gas Construction

Bakken Shale boom drives high-risk, high-reward construction projects

Unique Risks

Explosive/flammable materials exposure
Remote location emergency response delays
Environmental contamination liability
Specialized equipment damage/theft

Specialized Coverage

Pollution liability coverage (minimum $5M)
Excess liability for catastrophic events
Completed operations with extended tail
Equipment floater for specialized tools

Key Consideration: Oil field work requires specialized coverage due to explosion, pollution, and environmental risks. Standard policies often exclude these exposures.

Wind Energy Projects

Rapidly growing wind farm construction across western North Dakota

Unique Risks

High-altitude work and crane operations
Transportation of oversized components
Weather delays and seasonal limitations
Grid interconnection complexities

Specialized Coverage

Installation coverage for turbine components
Transportation insurance for oversized loads
Professional liability for grid connections
Delay in startup coverage

Key Consideration: Wind projects involve unique risks with expensive components and tight deadlines. Specialized renewable energy coverage is recommended.

Pipeline & Infrastructure

Extensive pipeline networks and electrical grid expansion projects

Unique Risks

Underground utility strikes and damage
Regulatory compliance violations
Right-of-way and easement disputes
Long-term environmental monitoring

Specialized Coverage

Underground utilities coverage
Professional liability for engineering
Contractual liability for agreements
Extended completed operations period

Key Consideration: Pipeline work requires understanding of federal regulations and long-term liability exposure beyond typical construction projects.

Energy Boom Market Effects

Labor Market Tightness

Energy boom creates worker shortages, driving up wages and workers comp costs

Insurance Effect:

15-25% higher workers compensation premiums due to competitive labor market

Material Cost Volatility

Energy sector demand creates supply shortages and price fluctuations

Insurance Effect:

Builders risk and installation policies need inflation protection endorsements

Infrastructure Strain

Heavy equipment damages roads, utilities face capacity constraints

Insurance Effect:

Higher auto liability limits needed, utility damage coverage essential

Regulatory Environment

Environmental regulations constantly evolving, compliance costs rising

Insurance Effect:

Professional liability and regulatory defense coverage becoming critical

$50B+

Energy infrastructure investment since 2010

300%

Increase in construction activity in oil counties

25%

Higher insurance costs for energy sector work

Specialized Energy Sector Coverage

Energy projects require specialized insurance knowledge. Our team understands the unique risks and can structure coverage that protects your business while meeting client requirements.

Get Energy Sector QuoteEnergy Insurance Expert

Frequently Asked Questions

Get answers to common questions about North Dakota contractor insurance, WSI requirements, and licensing. Our expertise helps you navigate the Peace Garden State's unique requirements.

Still Have Questions About North Dakota Contractor Insurance?

Our North Dakota insurance specialists are here to help with WSI compliance, licensing requirements, and coverage options.

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Get Your North Dakota Contractor Insurance Quote Today

Ready to protect your North Dakota construction business? Our licensed agents understand WSI requirements and North Dakota's unique construction challenges.

Contact Information

Phone

(844) 967-5247

info@contractorschoiceagency.com

Service Area

All 53 North Dakota Counties

Business Hours

Mon-Fri: 8AM-6PM CT

Get Started Now

Get Free Insurance QuoteSchedule ConsultationVisit WSI Website

North Dakota Contractor Insurance Specialists

WSI Compliance

Expert guidance on North Dakota's unique workers' compensation system and stop-gap coverage needs.

Energy Sector Experience

Specialized coverage for oil & gas, wind energy, and pipeline construction projects.

Weather Protection

Comprehensive coverage for extreme weather challenges and seasonal construction needs.

Important North Dakota Resources

FirstStop Business Portal Workforce Safety & Insurance ND Secretary of State

North Dakota Resources

Featured North Dakota Insurance Guides

Essential insurance information specifically for North Dakota contractors

October 30, 2024•15 min read

Workers Compensation Complete Guide

Comprehensive guide to workers compensation insurance including North Dakota WSI requirements and stop-gap coverage.

September 25, 2024•9 min read

Commercial Auto Insurance for Contractors

Essential commercial auto insurance coverage for contractors including North Dakota minimum requirements.

November 15, 2024•10 min read

Cold Weather Construction Safety

Essential winter construction safety protocols and insurance coverage for North Dakota contractors working in extreme conditions.

View All North Dakota Insurance Articles

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Coverage Type

Average Cost

What It Covers

Rate Factors

General Liability

$1,800 - $6,500/year

Bodily injury, property damage, completed operations

Energy sector exposure
Experience modifier
Geographic location
Coverage limits

WSI Workers Compensation

$12 - $25 per $100 payroll

State-mandated coverage through Workforce Safety & Insurance

Industry class code
Experience rating
Safety programs
Claims history

Commercial Auto

$2,500 - $5,500/year

Vehicle liability, collision, comprehensive for business vehicles

Winter driving conditions
Rural vs urban use
Vehicle type
Driver records

Contractor Bond

$1,500 - $15,000

Required for licenses, guarantees contract completion

Bond amount required
Credit score
Financial strength
Project value

Get Your North Dakota Contractor Insurance Quote Today

Ready to protect your North Dakota construction business? Our licensed agents understand WSI requirements and North Dakota's unique construction challenges.

North Dakota Contractor Insurance Specialists

WSI Compliance

Expert guidance on North Dakota's unique workers' compensation system and stop-gap coverage needs.

Energy Sector Experience

Specialized coverage for oil & gas, wind energy, and pipeline construction projects.

Weather Protection

Comprehensive coverage for extreme weather challenges and seasonal construction needs.

North DakotaContractor Insurance

Table of Contents

Insurance Requirements Overview

License Types & Costs

Business Formation Guide

Weather Considerations

Energy Industry Impact

Frequently Asked Questions

North Dakota Contractor Insurance Overview

What insurance is required for North Dakota contractors?

How much does contractor insurance cost in North Dakota?

North Dakota contractor license requirements

Weather insurance for North Dakota contractors

North Dakota Contractor Insurance Costs

Get Your Exact North Dakota Quote

North Dakota Contractor Insurance Coverage

North Dakota WSI System

General Liability Insurance

WSI Workers' Compensation

Stop-Gap Coverage

Commercial Auto Insurance

Professional Liability

Equipment Coverage

North Dakota Workers' Compensation Requirements

North Dakota vs. Private Workers' Comp States

North Dakota WSI System

Private Insurance States

North Dakota WSI Workers' Compensation System

WSI Monopolistic System

Annual Workers' Comp Cost Breakdown

WSI Coverage Only

WSI + Stop-Gap

Comparison State

Critical WSI Compliance Requirements

Get WSI and Stop-Gap Coverage for Your North Dakota Business

North Dakota Contractor License Requirements

$4,000 Threshold

March 1 Renewal

FirstStop Portal

Class A General Contractor

Class B General Contractor

Class C Specialty Contractor

Class D Residential Contractor

License Application Process

Submit Application

Provide Insurance

Obtain Bond

Pay Fees

Important License Requirements

We Serve All of North Dakota

Major Cities

Bakken Energy Region

Starting a Business in North Dakota

Business Structure Options

Corporation

LLC

Limited Partnership

Professional Corporation

Registration Process

Choose Business Name

Register with Secretary of State

Obtain Federal EIN

Register for State Taxes

Important North Dakota Business Requirements

Required Information:

Ongoing Compliance:

Why North Dakota Contractors Choose Us

WSI Expertise & Compliance

Energy Industry Experience

Weather-Related Coverage

Rural & Remote Project Expertise

Local Market Knowledge

Comprehensive Trade Coverage

North Dakota Market Insights

Agricultural Construction

Energy Sector Growth

Infrastructure Development

Weather Challenges

Our North Dakota Specializations

Energy Sector Expertise