Bismarck Business Insurance

Business Insurance

We represent multiple companies to find the best business insuranceĀ  for your needs.

Carriers vary by location.

What is a BOP Business Insurance policy?

A Business Owners Policy (BOP) is a type of insurance policy designed specifically for small businesses. It combines several different types of coverage into a single package, including property insurance, liability insurance, and business interruption insurance. This can make it a convenient and cost-effective way for small business owners to protect their assets against a range of potential risks, such as property damage, lawsuits, and lost income due to a temporary shutdown.

BOP policies are typically best suited for small businesses with modest property values and limited risk exposure. However, depending on the type of business and its particular needs, it may be necessary to supplement a BOP policy with additional coverage, such as professional liability insurance or cyber liability insurance.

Bismarck BOP Insurance
Bismarck General Liability

What is Business General Liability Insurance?

General liability insurance is a type of business insurance that provides protection against common claims of property damage, bodily injury, and advertising injury. It is an essential coverage for most businesses, as it can help to cover legal fees, settlements, and other expenses related to such claims.

For instance, if a customer slips and falls on your business premises and sustains injuries, general liability insurance can help to cover the associated costs. Likewise, if your business causes damage to a third party’s property, general liability insurance can help to cover the repairs. Other situations that may be covered by general liability insurance include libel, slander, and copyright infringement.

Ultimately, general liability insurance serves as a vital safety net for businesses in the event of unexpected incidents or accidents.

What is Business Inland Marine Insurance?

Inland marine insurance is a type of insurance that covers movable or transportable property (such as equipment, goods, or valuables) when it is in transit over land, or stored or exhibited away from the property owner’s premises. This type of insurance is generally designed for businesses that transport their property over land or need to store it away from their primary place of business.

Inland marine insurance can cover a wide range of property, such as construction equipment, computer equipment, fine art, or musical instruments. Policies can include coverage for theft, damage, and loss caused by collisions or other accidents. It is not typically required by law, but it is often a recommended coverage for businesses that frequently transport or store their property offsite.

Bismarck Inland Marine
Bismarck Commercial Auto

What is Business Commercial Auto Insurance?

Commercial auto insurance is a type of insurance that provides coverage for vehicles used for commercial or business purposes. This type of insurance is customized to meet the unique needs of businesses, which often require a higher level of coverage than personal auto insurance policies provide.

Commercial auto insurance policies typically cover liability, collision, and comprehensive coverage for vehicles owned by businesses and used in connection with their operations, as well as vehicles leased or rented by the business. This insurance can provide protection in the event of accidents, theft, and damage to the vehicle, as well as liability coverage for any bodily injury or property damage the business may be liable for.

Commercial auto insurance policies may also cover specialized vehicles such as food trucks, delivery vans, and tow trucks.

What is Workers Comp Insurance?

Workers’ compensation insurance is a policy that provides benefits to employees who suffer job-related injuries or illnesses. This insurance covers medical expenses, lost wages, and other costs associated with workplace injuries or illnesses. Employees injured on the job can receive benefits regardless of fault, meaning they do not have to prove their employer was negligent in causing the injury or illness.

Workers’ compensation programs are mandatory in most states and are designed to protect workers and employers alike. For employees, it provides a safety net and financial support in case of a workplace injury, while for employers, it limits the company’s liability for workplace injuries and associated costs.

Workers Compensation


A commercial vehicle is a type of vehicle that is used for business or commercial purposes. Commercial vehicles are typically used to transport goods or people for hire or compensation. Examples of commercial vehicles include trucks, vans, buses, taxis, tow trucks, dump trucks and delivery vehicles.

These vehicles are typically designed and built to withstand heavier use and more wear and tear than personal vehicles. In addition, many commercial vehicles are subject to different regulations and licensing requirements than personal vehicles, such as commercial driver’s licenses, specialized insurance, and compliance with safety regulations.

Commercial vehicles play a crucial role in many industries and are essential to the economy by providing goods and services to consumers.

A deductible is a predetermined amount of money that an individual must pay out of pocket before their insurance coverage begins to take effect. In other words, it’s the amount of money that the insured person is responsible for paying before their insurance company pays for any covered expenses. Deductibles apply to certain types of insurance policies, such as health, auto, and homeowner’s insurance and are determined based on the policyholder’s particular plan. Often, insurance companies offer a range of deductibles for the policyholder to choose from, with higher deductibles corresponding to lower monthly premiums. The purpose of a deductible is to encourage individuals to use their insurance coverage appropriately and responsibly and to help keep insurance premiums affordable for all policyholders.

A COI refers to a Certificate of Insurance. It is a document that serves as proof that a party has insurance coverage. Typically, this certificate is provided by an insurance company or agent and includes information about the insurer, the type of insurance, the coverage limit, and the policy period.

A COI is often requested by businesses or organizations that work with third-party vendors or contractors to ensure that they have adequate insurance coverage. The purpose is to verify that the vendor or contractor is properly insured and that any potential liabilities that may arise can be covered by their insurance policy.

It is important to review the COI carefully and ensure that it meets the requirements set forth by the requesting party.

A surety bond is a three-party agreement in which a bonding company (the surety) promises to cover the financial losses of a second party (the obligee) if the third party (the principal) fails to fulfill certain obligations outlined in a contract or agreement. The surety bond is a form of financial guarantee that ensures the obligee will be compensated for damages or losses resulting from the principal’s failure to meet contractual obligations.

Surety bonds are frequently used in construction, real estate, and other industries where large contracts are signed, and performance risk is high. In essence, a surety bond helps to extend credit to principals who may not otherwise be able to secure a contract due to lack of collateral or creditworthiness, while providing assurance to obligees that they will be protected financially in the event of non-performance or default. You can apply for a bond by clicking here.

Business Class
Accounting Services
Air Conditioning & Sub Contractors
Alarm Systems
Appliances & Accessories-Installation or Service or Repair-Household-Shop
Appliances, Equipment and Machines Work
Bakeries-Retail-With Baking on Premises
Barber/Beauty Shop Supplies Distbtrs
Beauty parlors
Boat Repair
Bookkeeping services
Business Consulting
Cannabis Insurance
Coffee Bars/Shops
Concrete and Masonry
Contractors executive supervisors or executive superintendents
Debris removal, Salvage and Wrecking
Delicatessens & Sandwich Shops
Department stores
Electrical work (interior only)
Excavation, Digging and Grading of Land
Fence Erection
Greenhouse Erection
Grocery distributors
Horizontal Directional Drilling HDD
Insulation Work
Interior Decorators
Interior Work
Janitorial and Cleaning Services
Landscaping, Lawn Care, Tree Trimming and Pest Control
Lawyers-Lessor Risk Only
Machinery or Equipment Installation
Metal Erection
Painting (interior only)
Portrait photography studios
Prefabricated Building Erection
Pressure Washing
Property manager
Real Estate Agents-Lessor Risk Only
Roofing, Siding and Gutter Installation
Septic Tanks and Sewers
Small Group Healthcare
Solar Energy
Swimming Pools
Tank Construction
Workers Compensation

Blue Paddle Insurance can sell policies up to $3,000,000 and Excess Policies up to $2,000,000. However, there may be businesses that require much more. We do have carriers that will look at all risks.

Yes, every business should have insurance. Business insurance can help protect you and your company from financial losses due to unexpected events such as property damage, lawsuits, and liability claims. Without insurance, you may be personally responsible for covering any damages or legal expenses, which could be extremely costly.

Different types of insurance policies are available, such as property insurance, liability insurance, and workers’ compensation insurance, depending on the specific needs of your business.
It is important to speak with Robert at Blue Paddle Insurance Agency to determine what type of coverage is best suited for your business. Therefore, it is always recommended to invest in business insurance to protect both yourself and your company.

Pollution insurance, also known as environmental liability insurance, is a type of coverage that provides financial protection to businesses and other organizations in the event of pollution-related incidents.

Pollution insurance can cover a range of liabilities, including pollution clean-up costs, legal defense fees, and third-party damages. Many businesses need pollution insurance to protect themselves against unexpected environmental issues, such as chemical spills, toxic fumes, or other hazardous materials that can harm people or the environment.

Industries that commonly purchase pollution insurance include manufacturers, transporters, waste disposal companies, commercial janitors and property owners.

The cost of pollution insurance depends on a number of factors, such as the size of the business, the types of hazards involved, and the extent of coverage needed. Overall, pollution insurance is a critical tool for businesses that want to protect themselves against unforeseen environmental events and related legal liabilities.